The mortgage built for physicians.
0% down. No PMI. High loan limits. We underwrite your future income and exclude student debt from your DTI. Secure the home you deserve, today.
Why a Physician Loan?
Traditional mortgages penalize high student debt and require years of employment history. Our programs are designed specifically for your career trajectory.
0% Down Payment
Keep your capital liquid. Purchase a home up to $1M with zero down, and up to $2M with just 5% down.
No Private Mortgage Insurance
Save hundreds of dollars every month. We never require PMI, even with a zero down payment.
Future Income Used
Closing on a home before you start? We can close up to 90 days before your new employment contract begins.
Dr. Sarah Jenkins
Attending Surgeon
"Physician Home Mortgage understood my complex residency transition and closed my loan in 21 days."
Underwriting that understands your profession.
Generic lenders look at your student debt and see risk. We look at your medical degree and see a pristine credit profile. We exclude IBR student loan payments from your DTI, allowing you to qualify for the home you actually want.
- Medical Doctors (MD, DO)
- Dentists (DDS, DMD)
- Veterinarians (DVM)
- Optometrists (OD)
- Podiatrists (DPM)
- Residents & Fellows
A Process Built for Your Schedule
We’ve removed the friction from traditional mortgage lending. Here is how we get you from application to keys in hand.
Consultation
A 15-minute introductory call scheduled around your shifts. We discuss your unique financial situation, including student debt and future earnings.
1
Pre-Approval
Upload documents through our secure portal. We provide a physician-specific pre-approval letter within 24 hours, even with a zero-down payment structure.
2
House Hunting
Shop with confidence. Your specialist stays in constant contact with your realtor to update numbers as you find properties that fit your criteria.
3
Closing
Our concierge closing service ensures a smooth final signing. We coordinate everything with the title company, often closing in as little as 3 weeks.
4
Physician Loan Calculator
Model your purchase scenario with zero down and zero PMI.
Frequently Asked Questions
Clear, transparent answers about our specialty lending programs.
Correct. For loan amounts up to $1,000,000, we offer 100% financing (zero down payment). For loans up to $1,500,000, we require a 5% down payment. For loans up to $2,000,000, we require a 10% down payment.
Physicians have historically low default rates. Our underwriting model treats medical professionals as low-risk borrowers, so we waive PMI entirely — even with a zero down payment.
Yes. We can close up to 90 days before your new employment contract begins, using your future income to qualify. Just provide a signed contract from your employer.
No. Physician loans are available throughout your career — from residents to attending physicians to established practice owners. There is no age cap.
For most loan amounts under $1M, no cash reserves are required. For higher loan amounts, we typically require 2–6 months of mortgage payments in reserves, which can include retirement accounts.
Ready for a Mortgage Partner Who Speaks Your Language?
Our specialists understand residency, fellowship, and the unique trajectory of a medical career.