Frequently Asked Questions
We don’t just originate mortgages — we help physicians build wealth early in their careers. Here is what your colleagues have to say.
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.
Still have questions?
Our physician loan specialists are available to walk through your specific scenario — no commitment required.