You spent a decade training. Your mortgage shouldn't treat you like everyone else.
A home loan built for physicians, dentists and oral surgeons in their first 10 years after residency — with flexible down payment options, no private mortgage insurance and loan amounts up to $2 million.
You're all set, .
A specialist will text you shortly with your free guide. Want to skip the wait?
Book a 15-minute callDesigned around how physicians actually earn.
Flexible down payment options
Keep more of your savings for the move, your practice or emergencies. Your specialist will walk you through the options for your loan amount.
No PMI
Skip the monthly private mortgage insurance most loans with a small down payment charge.
Loan amounts up to $2 million
Sized for physician incomes and higher-cost markets.
Your future income counts
Qualify on a signed employment contract, as long as you start within 90 days of closing.
Flexibility on student loans
How student loan payments are calculated can be more flexible in certain circumstances. Your specialist will review yours.
Debt-to-income up to 43%
Based on your verified income.
Who qualifies
Practicing physicians (MD, DO, DPM), dentists (DDS, DMD) and oral surgeons less than 10 years out of residency.
- Purchase or refinance of a primary residence
- Single-family homes, condos, PUDs and co-ops
- Gift funds allowed after your minimum contribution from your own funds
Matched in March, starting in July?
That's a tight window. Because you can qualify on your employment contract up to 90 days before your start date, your specialist can map a timeline from contract to keys that fits your move — and avoid closing delays during your first weeks on the job.
Plan my timelineThe Physician Home-Buying Playbook
Qualifying on your contract, how student loans are counted, how much to put down, and a Match-to-keys timeline.
Physician loan FAQ
I haven't started my new job yet. Can I still buy?
Yes — with a signed employment contract, as long as your job begins within 90 days of closing.
Can I use gift funds?
Yes, once you've made the minimum contribution from your own funds.
Do I need cash reserves after closing?
In some cases, 2 to 8 months of housing payments in reserve are required. Your specialist will tell you what applies to you.
Do I need to open a bank account?
Yes. The program requires a personal checking relationship with the lender — either an existing one or a new one.
Can I use it for an investment property or second home?
No. This program is for your primary residence.
How much do I need to put down?
It depends on your loan amount. Your specialist will walk you through the options, and you can always put more down if it suits your plans.