What We OfferPHYSICIAN LOANS
Purpose-built mortgage programs for doctors and medical professionals, accounting for deferred student debt, training income, and compensation structures that standard underwriting consistently misreads. From residency to attending, we have a solution for where you are in your career.
Key Features of Physician Loans
Student Debt Treatment: Deferred medical school debt is typically excluded from debt-to-income calculations.
Eligible Borrowers: Medical doctors (MD, DO), dentists (DDS, DMD), and other licensed medical professionals.
Low Down Payment: Options available with as little as 0%–10% down, depending on loan amount and program.
Training Income Accepted: Financing available for residents and fellows using offer letters or employment contracts.
No PMI: Many physician loan programs eliminate private mortgage insurance regardless of down payment amount.
Coverage and Usage
Eligible Properties: Primary residences, with select programs available for second homes.
Usage: Purchase or refinance.
These loans are designed for medical professionals whose earning trajectory and financial profile are strong — but whose documentation doesn't fit a conventional underwriting box.