Doctor Loans for Medical Professionals
Zero down payment options, no PMI, and flexible debt-to-income requirements. Designed specifically for physicians, dentists, veterinarians, and other medical professionals.
Serving qualified medical professionals buying or refinancing nationwide.
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Your Physician Loan Specialist
As a mortgage broker with access to specialized medical professional loan programs, I help doctors, dentists, veterinarians, and other medical professionals secure financing tailored to their unique financial situations. Doctor loans allow you to qualify with flexible debt-to-income ratios, excluding student loan debt in many cases.
Whether you're finishing residency, starting a new practice, or simply looking to upgrade your home, I'll help you compare programs, get accurate numbers, and structure the loan that best supports your career trajectory.
What You Get When You Work With a Local Broker:
No down payment required on loans up to $2M
No PMI regardless of down payment
Qualify using a signed employment contract before your start date
Student loans in deferment or on an income-based repayment plan may not limit what you qualify for during residency
Rates comparable to a standard jumbo loan
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Who Qualifies?
Physician mortgage programs are reserved for licensed medical professionals in active practice or completing a residency, fellowship, or internship in one of the following categories:
Medical Doctor (MD)
Doctor of Osteopathy (DO)
Doctor of Dental Science/Surgery (DDS)
Doctor of Dental Medicine (DMD)
Doctor of Ophthalmology (MD or DO)
Doctor of Psychiatry (MD or DO)
Doctor of Pharmacy (PharmD)
Doctor of Veterinary Medicine (DVM/VMD)
Doctor of Podiatric Medicine (DPM)
Certified Registered Nurse Anesthetist (CRNA with DNAP or DNP)
Want a streamlined version of this page? Visit the Physician Loan Quick-Apply Page.
Close Before You Start. Qualify on Your Employment Contract.
Your attending salary starts working for you before day one.
Most physicians finishing residency or fellowship assume they have to wait until they're employed before they can buy a home. You don't.
If you have a signed employment contract with a start date within 150 days of closing, you can qualify and close on your home before your first paycheck. Your future attending salary is your qualifying income — not your current resident salary.
That means a resident finishing in June can sign a purchase contract today, get pre-approved on their incoming attending income, and be settled in their new home before day one on the job.
What you need:
A fully executed employment contract signed by both parties
A confirmed start date within 150 days of closing
Sufficient reserves to cover monthly payments between closing and your start date
No waiting. No temporary housing. No scrambling for financing after you've already started.
Frequently Asked Questions
Do I need a down payment?
No. Physician mortgage programs allow 100% financing on loans up to $1.5M with a 680 credit score, and up to $2M with a 720 credit score. No down payment required.
Is private mortgage insurance required with less than 20% down?
No. One of the defining features of physician mortgage programs is the absence of PMI regardless of your down payment. You're not penalized for putting less down.
Can I qualify before I start my job?
Yes. If you have a fully executed employment contract with a start date within 150 days of closing, you can close on your home before your first paycheck. This is specifically designed for the residency-to-attending transition.
How are student loans treated?
If you're currently in residency or a clinical fellowship and qualifying on your current income, student loans in deferment or income-based repayment (IBR) may be excluded from your debt-to-income calculation. This is a significant advantage since most conventional / jumbo programs require student loans to be counted regardless of repayment status.
What credit score do I need?
Minimum 680 for most programs. A 720 score unlocks higher loan amounts and the lowest down payment.
Can I use this program as a first-time homebuyer?
Yes. There are no restrictions for first-time homebuyers on this program.
Are there prepayment penalties?
No prepayment penalties on any physician mortgage loan.
Can I close in an LLC or trust?
Inter Vivos Revocable Trusts (i.e. Living Trusts) are allowed. LLCs and corporations are not eligible for this owner-occupied primary residence program.
Ready to See Your Options?
Whether you're finishing residency, starting an attending position, or are an established physician looking to purchase, let's find the right program for your situation.
OUR TEAM
Lennox Wardell
Chief Executive Officer
Sarah Odegard
President of Finance
Lars Jakuba
Executive Vice President
Mikey Diokles
Sales Manager
Testimonials
People Love Us
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Service Areas
Alpharetta • Atlanta • Brookhaven • College Park • Decatur • Dunwoody • Johns Creek
Kennesaw • Marietta • Roswell • Sandy Springs • Smyrna • Stone Mountain • Tucker
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.
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