Doctor Loans

🩺 Doctor & Medical Professional Home Loans

You worked hard for your career. Your student loan balance shouldn’t automatically keep you from buying a home.

Doctor Loan programs are designed specifically for qualifying medical professionals, including doctors, dentists, nurses, pharmacists, physician assistants, and other eligible healthcare professionals.

Key Benefits

• Up to 100% financing available — potentially $0 down for qualified borrowers
• No monthly mortgage insurance (PMI) required
• Financing available for homes up to $2–$3 million, depending on the program
• Flexible debt-to-income guidelines — options may allow a DTI up to 50%
• Programs available with credit scores starting around 680–700
• Student loan-friendly qualification options
• Residents, fellows, and interns may qualify
• Fixed-rate and adjustable-rate mortgage options available
• Some programs allow non-occupant co-borrowers
• Primary residences and, under certain programs, second homes may qualify

Who May Qualify?

Depending on the specific Doctor Loan program, eligible professionals may include:

Physicians & Doctors: MD, DO, residents, fellows and interns

Dental & Vision: DDS, DMD, OD and qualifying ophthalmologists

Nursing: RN, NP, CRNA and Clinical Nurse Specialists

Other Medical Professionals: Physician Assistants, Pharmacists, Veterinarians, Podiatrists and Chiropractors

Eligibility varies by program and profession, so even if you don't see your exact title listed, contact me to determine which options may be available.

How Much Can I Put Down?

As Little As 0% Down

Qualified medical professionals may have access to:

100% financing
Available through select Doctor Loan programs.

Up to 97% financing
Additional options are available depending on credit, loan amount, property type and other qualification requirements.

No PMI
Unlike many traditional low-down-payment mortgage options, these Doctor Loan programs do not require mortgage insurance.

What About My Student Loans?

Have a large student loan balance? You may still qualify.

Doctor Loan programs are designed with the financial realities of medical professionals in mind. Flexible qualification guidelines may make homeownership possible even when you have significant student loan debt.

Don't assume your student loans disqualify you. Let's review your complete financial picture first.

Residents & Fellows

You don't necessarily have to wait until you're an established physician to buy.

Medical residents, fellows and interns in eligible professions may qualify for Doctor Loan financing. Depending on the program, employment contracts and documentation of your degree or medical program may be used during qualification.

Basic Requirements

Generally, you'll need:

• An eligible medical profession
• Qualifying credit, generally 680+
• Verifiable qualifying income or eligible employment documentation