Physician Loans
Physician Loans – Built for Doctors and Medical Professionals
Physician loans are specialized mortgage programs created for medical professionals who may have high earning potential but limited savings due to student loan debt. These programs often allow low or no down payment, flexible treatment of student loans, and no private mortgage insurance (PMI).
Great fit for:
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Medical doctors (MD, DO)
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Dentists, veterinarians, and other eligible professionals
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New physicians with high student loan balances
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See if your property is eligible for Physician financing:
Do physician loans require a down payment? Many programs allow 0–5% down, depending on loan amount.
Is PMI required? Typically no — even with low down payment.
How are student loans treated? Physician loans often offer more flexible student loan calculations.
Are physician loans only for first-time buyers? No. Both first-time and repeat buyers may qualify.
Can physician loans be used for jumbo amounts? Yes. Many physician programs allow high loan amounts.