Loan Program

Physician Loan

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Is a physician loan right for you?

Purchase and move into your dream home with a physician home loan. A physician loan lets you buy a house based on your earning potential rather than your current debt. Finance your new home with little to no money down and flexible terms built specifically for medical professionals.

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Benefits of a physician loan

  • Save Cash: Keep your savings intact with a zero or low down payment option, and avoid paying costly private mortgage insurance (PMI).
  • Flexible Debt Rules: Qualify more easily because lenders exclude or heavily discount deferred medical school student loans from your debt-to-income ratio.
  • Early Closing: Close on your new home up to 90 days before you start your new job using just your signed employment contract.

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Physician loan eligibility requirements

  • Good credit score
  • Eligible medical degree (MD, DO, DDS, DVM, etc.)
  • Self-occupancy of the property
  • Signed employment contract or proof of income

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Get started by using one of our Free tools!

Our Loan Programs

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

Looking for a flexible, budget-friendly mortgage? A conventional loan offers low down payments, no mortgage insurance with 20% down, and term options that fit your life.

FHA

Easier to qualify, even with lower credit. Get help from family with gift funds for your down payment, and enjoy flexible requirements that make homeownership more accessible.

VA

No down payment, competitive rates, and flexible terms—all backed by the government. If you’re a service member, veteran, or qualifying spouse, a VA loan could be your path to homeownership.

Jumbo

Buying a high-value home? A jumbo loan lets you borrow above conventional limits. Just know—bigger loans mean tighter qualification, but it’s the key to luxury property financing.

Renovation

Buying a fixer-upper? A renovation loan lets you roll the cost of repairs and upgrades into one mortgage—making it easier to turn that “almost perfect” home into your dream home.

USDA

Looking to buy in a rural area? A USDA loan offers 0% down and affordable terms—perfect for eligible buyers ready to plant roots outside the city.

DSCR

Designed for real estate investors, this program qualifies borrowers based on the rental income generated by the property rather than personal tax returns or employment history.

Bank Statement Loans

Ideal for self-employed individuals, this program uses 12 to 24 months of personal or business bank statements to verify income, bypassing the need for W-2s.

1099 Loans

Tailored loan solutions for freelancers and independent contractors, qualifying you based entirely on your 1099 earning statements.

Non-QM Financing Programs

A versatile alternative lending solution for borrowers with unique financial situations, allowing for flexible qualification guidelines outside of standard conforming rules.

Home Equity Loans

Unlock the wealth built up in your property. This solution allows you to borrow against your available equity to fund major renovations, consolidate debt, or cover significant expenses without touching your primary mortgage.

Physician Loan

Exclusively designed for medical doctors and eligible healthcare professionals, this program offers flexible financing with low-to-no down payment options and unique underwriting that often excludes medical school debt.

Check out our other mortgage calculators

Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.

General Mortgage Repayment Calculator

See what your monthly payment could be with our general repayment mortgage calculator.

Affordability Calculator

Assess how much home you can afford based on your income, expenses, and desired down payment.

Early Payoff Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

Rent vs Buy Calculator

Compare the costs of renting versus buying a home to determine the best financial decision for your situation.

Seller Net Profit Calculator

See how much you could make from your home sale with our Seller Net Profit Calculator.

Rate Buydown Calculator

Check out how much you can save with a seller-paid rate buydown.

HELOC Calculator

Estimate your credit limit and monthly payments with our HELOC Calculator!

Mortgage Comparison Calculator

Compare different mortgage options side by side to find the best fit for your financial needs.

Refinance Comparison Calculator

Evaluate the potential savings and costs associated with refinancing your existing mortgage.

DSCR Investor Calculator

See what your investor ratio is with our DSCR calculator.

Adjustable Rate Mortgage Calculator

Determine your potential monthly payments and interest costs for an adjustable-rate mortgage over time.

VA Calculator

Estimate your monthly payments and total costs for a loan backed by the Department of Veterans Affairs.

Jumbo Calculator

Calculate your monthly payments and total costs for a jumbo mortgage that exceeds conforming loan limits.

FHA Calculator

Determine your potential monthly payments and total costs for a Federal Housing Administration loan.

Conventional Calculator

See the monthly payment and total cost for a conventional mortgage loan.

USDA Calculator

Calculate the costs and monthly payments associated with a USDA Rural Development loan.

203k Renovation Calculator

Analyze your debt service coverage ratio to evaluate the profitability of an investment property.