PHYSICIAN LOANS · 11 STATES
Doctors, dentists and other medical professionals often have strong earning potential alongside student debt. Physician loan programs may offer more flexible terms. Duane compares them for you.
Licensed in 11 states
Compare many lenders
No-pressure advice
WHAT IT IS
Physician loan programs are offered by certain lenders to eligible doctors, dentists and other medical professionals. They may allow low down payments, no private mortgage insurance and flexible treatment of student loans.
Eligibility, maximum loan amounts and terms vary by lender. Some include residents and fellows with a signed contract. Rates may differ from conventional loans, so I compare.
Some programs allow little or no down payment, depending on the loan amount.
Many programs waive monthly mortgage insurance. Terms vary by lender.
Some lenders count student loan payments in a more flexible way than standard guidelines.
Residents and new attendings may qualify with a signed employment contract before the start date on some programs.
HOW IT WORKS
01
Tell me your specialty, training stage and start date.
02
I check physician programs and conventional options side by side.
03
Typical items include your contract or pay stubs, student loan statements and proof of funds.
04
Appraisal, underwriting and closing, timed around your move.
LOCAL KNOW-HOW
Program availability can vary by state and by lender. I check what is offered where your property is located.
Virginia
Major health systems across Virginia draw physicians at every career stage.
Tennessee
Nashville's large healthcare sector and the medical centers in Memphis and Knoxville bring many physicians home buying.
Georgia
Atlanta's healthcare sector and academic medical centers in Augusta and Savannah create steady demand.
FAQ
Typically MDs, DOs, dentists and some other medical professionals. Exact lists vary by lender.
Some programs allow it with a signed contract. Others require attending status.
It can be. Compare the rate against the savings on down payment and PMI before you choose.
EXPLORE MORE
NEXT STEP
Share your role and timeline and I will outline what may fit. No obligation.
Duane Buziak, NMLS #1110647, Coast2Coast Mortgage, LLC, NMLS #376205. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Equal Housing Lender. This information is educational and is not an indication of loan qualification, approval or a commitment to lend. Rates, programs and guidelines change and are subject to credit approval.
