Real Estate Services & Resources for the Medical Community

Physician Mortgage Loans

The Doctor Mortgage Loan Program is designed to help qualified Physicians and Dentists acquire a residential mortgage loan from participating lenders with zero to very little money down and no PMI.

Who qualifies for the Doctor Loan Program?

  • Licensed Medical Residents, Fellows, Medical Physicians (MD), and Doctors of Osteopathic Medicine (DO)
  • Dentists (DDS/DMD)
  • Some lenders offer Doctor Loans to Podiatrists, Optometrists, and Veterinarians

Benefits of the Physician Loan Program at a Glance

  • Very low to zero down-payment: Only 0%, 5%, and 10% down depending on the lender
  • No PMI (Private Mortgage Insurance)
  • Higher maximum loan amounts: Lenders typically allow up to $850k/$1.5 Million
  • Close on your loan early: up to 60-90 days before starting new employment (depending on the lender)
  • An employment contract can be used as evidence of income – if starting a new job.
  • Medical school loans can often be waived from your debt ratio (if deferred 12 months after closing)
  • Competitive Fixed and Adjustable rates available
  • Gift funds or seller contributions may be used for closing costs
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