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.
Get pre-approved
A licensed specialist will follow up. No obligation.
Underwriting built around your career, not against it
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, with low down-payment options available up to $2M.
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.
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.
A process built for your schedule
We have 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 situation, including student debt and future earnings.
Pre-Approval
Upload documents through our secure portal. We provide a physician-specific pre-approval letter within 24 hours, even with zero down.
House Hunting
Shop with confidence. Your specialist stays in contact with your realtor to update numbers as you find the right property.
Closing
Our concierge closing service coordinates everything with the title company for a smooth final signing.
Physician loan calculator
Model your purchase scenario with zero down and zero PMI.
0% down available up to $1M. 5% down for $1M to $1.5M. Estimate only, not a quote or commitment to lend.
Frequently asked questions
Clear, transparent answers about our specialty lending programs.
Do I really not need a down payment?+
Why don't you charge PMI?+
Can I close before my new job starts?+
Is there a maximum age for this loan?+
Do I need cash reserves?+
Casey Murray
With over 25 years in the mortgage industry, I have built my reputation on one foundation: outstanding service. When you work with me, you can count on someone who looks out for your best interests and keeps you informed through every step of the lending process.
Our branch is backed by the country's largest broker network, giving us access to over 280 investors. Whether you need a specialized physician loan or a standard product, if the loan exists, we can find the right version of it.
A Wayzata native, I live in Champlin and hold a BS in accounting from St. Cloud State University. Outside the office I am a proud dad to two boys, and you can usually find us at the cabin on the Whitefish Chain, golfing, or skiing. I am an early riser, typically in the office by 4:00 AM, and available by appointment to help you secure the home you want.
Ready for a mortgage partner who speaks your language?
Our specialists understand residency, fellowship, and the unique trajectory of a medical career. Start with a few quick details, no cost and no obligation.