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Specialty
Doctor Loans
Physician mortgage programs designed for the unique financial profile of medical professionals — high student debt, strong earning potential, and often just starting out in a new role.
0%
Private Mortgage Insurance
0%
Student Loans in DTI
95%+
Max LTV Available
$0
Broker Fees
What makes doctor loans different
🎓
Student Loans Excluded from DTI
Most physician loan programs exclude student loan debt from your debt-to-income calculation — dramatically improving your qualifying ratio.
🏠
No Private Mortgage Insurance
Doctor loans typically waive PMI even with less than 20% down, saving you hundreds per month.
📝
Employment Contract Accepted
Starting a new position? An executed employment contract is accepted in place of pay stubs or W-2s.
💰
High LTV Options
Some programs allow up to 100% financing — no down payment required for qualified physicians.
Who qualifies
MD (Medical Doctor)
DO (Doctor of Osteopathy)
DDS / DMD (Dentist)
DVM (Veterinarian)
PharmD (Pharmacist)
Residents & Fellows
Nurse Practitioners (select programs)
Physician Assistants (select programs)
Note: Eligibility and terms vary by lender. We compare physician loan programs across multiple lenders to find the best fit for your specialty and career stage.
You built your career. Now let's build your home.
We'll find the right physician loan program for your specialty, career stage, and financial situation — at no cost to you.
Student loans excluded from DTI
No PMI options available
Employment contracts accepted
$0 broker fees
Get Pre-Approved Free
No cost, no obligation. We respond within hours.