Physician Home Loans
Physician home loans are specialized mortgages designed for medical professionals, offering more favorable terms. These loans help overcome the challenge of securing a home loan with substantial student debt.
Key Features of Physician Home Loans
Who Qualifies for Physician Home Loans
How It Works
You will be able to access our service in 3 simple steps
Schedule an
appoinment
Initial
Consultancy
Get a
Loan
Five Reasons Physician Home Loans Are the Smart Choice
- Zero Down Payment – Enjoy low or no down payment options (0-10% typical).
- Faster Closing – Close up to 90 days before your new job starts.
- Student Loan Debt Exclusion – Student debt won’t count against your loan application, helping you qualify for a bigger home.
- No PMI – Save up to 1% annually, potentially $10,000/year on a $1M home.
- Higher Loan Limits – Qualify for loans up to $5M, often at the same rate.
Countries Worldwide
Active Clients
Consultants Meet Expectations
Client Satisfaction
Frequently Asked Questions
Private Mortgage Insurance is a third party insurance that is enforced on a home loan if the buyer does NOT have at least 20% down payment. The insurance is enforced to protect the bank/lender in case the buyer defaults on the mortgage. Most physician loan programs DO NOT require this insurance to purchase a home.
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Depending on lender and final mortgage product needed, 680-720 is generally the lowest score range needed to qualify. This includes 100% financing in some cases.
Yes! We have the ability to help you move in to a new home up to 90-days PRIOR to start date. This will depend on asset and credit qualification, so we do highly suggest we connect you with a mortgage professional sooner in the home search process. We have helped orchestrate successful pre-qualifications/pre-approvals by introducing physicians to a mortgage professional 6-12 months prior to employment start dates.
They can! If your next stop is residency or fellowship, we can ignore your deferred student loan payments. This includes Forbearance as well (depending on lender). By ignoring these future payments, we can help you qualify for a new home.
No. Leaning on us to help you find the perfect match for your real estate needs does not cost you anything. We work closely with our real estate partners to ensure superior service and product offerings to our clients.
Please do! We are only as good as our customer service and real estate professional network, and if you feel we are worthy enough of being referred to a close colleague or friend in the health care industry (does not have to be a Physician or Dentist), we can help. Our network of real estate agents and mortgage loan professionals also have experience in working with medical professionals.
