Physician Loan Mortgage

Specialized for Medical Professionals

Doctors, residents, and other medical professionals have unique challenges when it comes to homeownership—like student loan debt, residency relocations, and future income considerations. Physician Loan programs are designed to make buying a home more attainable while you’re building your career.

What You Need to Know..

  • Physician loans allow more flexible treatment of student debt when calculating your approval.

  • Lower down payment options are often available, even for new residents.

  • Some programs let you close on a home before starting your residency, with proof of your contract.

  • Loan types vary: some are Conventional, some fall into Jumbo — your eligibility depends on your income, credit, and goals.

The Highlights..

  • Tailored for doctors, residents, and medical professionals.

  • Can reduce or adjust how student loan debt impacts your approval.

  • Flexible down payment requirements.

  • Available for purchases, refinances, and in some cases, before residency begins.

FAQ – Quick Answers..

  • Do I have to use a physician loan just because I’m a doctor?
    No — sometimes a different loan type may be a better fit. We’ll explore all your options together.

  • Can I refinance a physician loan later?
    Yes — refinancing works the same way as with any other loan type.

  • What about my student loans?
    Depending on the program, they may be ignored if deferred, or factored in with more flexible guidelines.