The Nation's Most Comprehensive Funding Source

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Physician Mortgage Loans with Zero Down, No PMI, No Surprises

Built for MDs, DOs, dentists, pharmacists, and other licensed medical professionals. Residents/Fellows can close based upon your employment contract and can close before your start date.

No down payment required
No private mortgage insurance
Loan amounts up to $2,000,000
Qualify using a signed offer letter before you start
Student loans in deferment excluded for residents

The Nation's Most Comprehensive Funding Source

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What Happens Next?

A quick look at what happens right after you request your personalized Physician Loan quote.

Step 1:

We review your specific

info and goals.

Step 2:

We compare your options across our physician loan lenders.

Step 3:

You get a clear, personalized mortgage gameplan within 2 business days.

Is a Physician Loan Right for You?

If you've spent years in training and are ready to buy your home, but you don't have hundreds of thousands sitting in savings for a down payment, physician mortgage programs were built specifically for this moment. Your income trajectory matters more than your current savings.

Residents and Fellows Transitioning to Attending

This is the program's sweet spot. You have an offer letter, a start date, and more income coming than you've ever earned, but your training salary hasn't built up savings. Physician loans solve that gap.

Qualify using your executed employment contract
Close up to 150 days before your start date
Student loans in deferment excluded from DTI during residency

Early-Career Attending Physicians

Already started your attending position but didn't use a physician loan for your first home? Or looking to upgrade? You still qualify — and your income profile now makes approval even more straightforward.

100% financing still available for qualified attendings
No PMI saves hundreds per month vs. conventional
Loan amounts up to $2M for high-cost markets

Established Physicians Looking to Upgrade or Refi

Moving to a larger home, a different city, or looking to rate-term refinance your existing mortgage? Physician programs are available for purchase and refinance on your primary residence with flexible guidelines made for physicians.

Primary residence purchases and rate-term refinances
Clean income documentation for W-2 attendings
Access to ARM options for shorter-term ownership plans

Engaging Minds, Empowering Success.

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How DSCR Loans Work

In Under 60 Seconds

DSCR loans qualify you based on your property’s cash flow—not your personal income. Here’s a quick overview of how the process works and what to expect before applying.

No down payment required — 100% LTV with no PMI on loans up to $2M
Qualify on an executed employment contract with a start date within 150 days
Student loans deferred or on IBR can be excluded from DTI if qualifying on resident income
Full manual underwrite means your complete financial picture is considered — not just a score

What Real Borrowers Say About Working With Us

Borrowers trust us for clear communication, fast closings, and expert guidance.

I'm a resident. Can I really qualify with my resident salary?

Yes, if you have an executed contract for your attending position starting within 150 days. You qualify using that future income, not your current training salary.

What if my student loans are in IBR or deferment?

If you're in residency or a clinical fellowship and qualifying on your current income, student loans in deferment or IBR may be fully excluded from your DTI calculation.

How is this different from a conventional jumbo loan?

Conventional jumbo loans require 10–20% down and count all student loans in your DTI. Physician loans require zero down, no PMI, and offer the student loan exclusion. The qualification is built around how physicians actually earn and borrow.

What happens if my start date gets pushed back?

The start date must be within 150 days of closing. If your timeline changes before closing, we'll work through options. Communicate early — the earlier we know, the more solutions we have.

Can my spouse be on the loan?

Yes. Non-occupant co-borrowers are allowed, but their income contribution must be 50% or less of total qualifying income.

Is cash-out refinance available?

No. This program is purchase and rate-term refinance only. Cash-out is not available on physician mortgage loans through this program.

Get Started Today

Ready to See Your Physician Loan Options?

Zero down • No PMI • Projected income accepted • MD, DO, DDS, DMD, PharmD, DVM, DPM, CRNA

All product names, logos, and brands are property of their respective owners.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2022 | NEXA Mortgage LLC.

Licensed in: GA, FL, AL, NC, VA, AZ

NMLS# 2279879 | AZMB: 2001591, NMLS ID 1660690

Corporate Address : 5559 S. Sossaman Rd, Bldg 1, #101 Mesa, AZ 85212

Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.