Physician Mortgage Lenders in Louisiana
Louisiana physicians relocating to New Orleans, Baton Rouge, Shreveport, or communities throughout the Pelican State need specialized mortgage solutions. Louisiana physician mortgage programs offer no PMI, 0% down payment options, and favorable debt calculations—helping doctors purchase homes near Ochsner, LCMC Health, and other major systems.
Premier Lenders
Alliant Credit Union offers an industry-leading Medical Professional Loan Program designed to support physicians and medical professionals through career transitions, relocations, and early earning years. The program is available nationwide (except Maryland) and is known for its high loan limits, flexible student loan treatment, and no private mortgage insurance.
Alliant treats its physician loan as a core lending product, allowing for consistent underwriting, conforming and non-conforming options, and flexible qualification for both new and established medical professionals.
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First Horizon Bank offers a physician mortgage program designed for medical professionals who need flexible financing during career transitions, relocations, and home purchases in competitive markets. The program supports both early-career and established physicians, including those who do not fit traditional conventional lending guidelines.
First Horizon treats its physician loan as a core relationship product, allowing for higher loan limits, low down payment options, and fewer restrictions related to time out of training.
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Lenders
First Citizens Bank offers a physician mortgage program designed for medical professionals seeking flexible, high-balance financing with no private mortgage insurance. The program supports both early-career and established physicians and allows for alternative treatment of student loan debt, future employment income, and tiered down payment structures for higher loan amounts.
This program is built to accommodate doctors purchasing or refinancing primary or secondary homes, as well as those building new homes through construction-to-permanent financing.
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Flagstar Bank is historically one of the largest lenders in the United States, ranking among the top 10 nationally for residential mortgage origination. Flagstar is licensed to lend in every state and offers relationship pricing for Private Clients with loan amounts up to $10 million. The bank provides flexible professional mortgage programs designed for doctors, attorneys, certified public accountants, and other qualifying professionals seeking low down payment and competitive rate options.
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Novus Home Mortgage offers a home loan program for medical professionals designed to help borrowers purchase a home early in their careers, including before starting a new job. Novus is a nationwide portfolio and correspondent lender with in-house underwriting, allowing for faster and more flexible loan processing.
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Oak Leaf Community Mortgage, powered by North Shore Trust and Savings with over 100 years in banking, provides mortgage solutions designed around each borrower’s unique scenario. The company focuses on identifying the optimal financing structure through expanded access to a wide range of mortgage options, with a strong emphasis on communication, service, and on-time execution.
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Physician Mortgages in Louisiana: A Doctor's Research Guide
Louisiana offers physicians a rich medical landscape — Ochsner Health and LCMC Health in New Orleans, Our Lady of the Lake in Baton Rouge, plus Tulane and LSU Health — at generally affordable home prices. One thing to plan for early: in much of the state, flood and homeowners insurance is a meaningful part of the monthly cost. Dr. Home Finance is not a lender. We're a research and matching service that connects doctors and medical professionals with banks that have built mortgage programs specifically for physicians. The rates, limits, and terms below come from those lenders — not from us — and are subject to each lender's approval.
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What makes a physician mortgage different
Physician programs ("doctor loans") are designed around the financial shape of a medical career. Compared with a conventional loan, the banks in our network commonly offer:
Low or no down payment, with some lenders financing up to 100% (varies by lender and degree)
No private mortgage insurance (PMI), even with less than 20% down
Student-loan-friendly underwriting, often using income-based payments rather than the full balance
Qualifying on a signed employment contract, before your first paycheck
The lenders shown above offer physician programs in Louisiana — compare all lenders or get matched.
What's different about buying in Louisiana
Insurance is a real budget factor: in much of Louisiana, flood and homeowners insurance can add significantly to the monthly cost — plan the total payment, not just principal and interest.
Distinct markets: New Orleans, Baton Rouge, Shreveport, and Lafayette each have their own housing dynamics.
Major health systems: Ochsner Health is the largest in the region, alongside LCMC Health, Our Lady of the Lake, Tulane, and LSU Health.
Affordable home prices: Louisiana housing is generally affordable, which can offset some of the insurance cost.
Budget the whole payment: because insurance can be substantial here, use the mortgage calculator to model taxes, insurance, and HOA dues alongside the loan before you shop.
Who qualifies in Louisiana
Most physician programs are open to MD, DO, DDS/DMD, and DPM — and some extend to DVM and other advanced degrees — at the resident, fellow, and attending stages. Eligibility and terms vary by lender. Learn how physician loans work and which degrees qualify.
How Dr. Home Finance helps Louisiana doctors
We give you the research to understand your options and match you with a banker whose physician program fits your situation — at no cost and no obligation. You can also contact a banker directly. We never lend and never steer you to a specific rate; we help you compare and connect. Start your match →
Louisiana physician mortgage FAQ
Do doctors get better mortgage rates in Louisiana?
Not automatically. The advantage is usually in the terms — no PMI, low or no down payment, and student-debt-friendly underwriting — more than a guaranteed lower rate. Rates vary by lender and profile, which is why comparing matters.
How do physician mortgage loans work?
A bank with a physician program lets eligible doctors finance a home with little or no money down and without PMI, often qualifying you on a signed contract and income-based student-loan payments. You're matched with a lender, get pre-approved, and shop with confidence.
Are physician loans 0% down in Louisiana?
Some lenders offer up to 100% financing for eligible physicians; others ask for a small down payment. It depends on the lender, your degree, and the loan amount.
Who qualifies for a physician mortgage in Louisiana?
Generally MD, DO, DDS/DMD, and DPM physicians — residents, fellows, and attendings — with some lenders including additional degrees. Each lender sets its own rules.
Can Louisiana residents and fellows buy before they start work?
Often, yes — many programs let you close using a signed employment contract shortly before your start date. Common for doctors relocating to Louisiana for residency at Ochsner, Tulane, or LSU Health, or a new position.
Compare Louisiana physician-mortgage lenders and get matched →
Reviewed by Jessica Hegge, Partner at Dr. Home Finance. Dr. Home Finance is a research and matching service, not a lender or broker; all loan terms are provided by third-party lenders and subject to their approval. Equal Housing Opportunity.