Doctor Loans for Physicians & Residents

0% down, no PMI doctor loans. Our physician mortgage experts will save you money (and make buying your home a lot easier).

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Get a Physician Home Loan

Physician Home Loan

We’ve been in business since 2007, so we’ve worked with and vetted the very best physician home loan lenders at the biggest national banks. We only work with established banks with brand names you’ve probably seen on television. Our lending partners have done thousands of physician home loans over the years and are among the top performers in the industry.

Many mortgage lenders will do anything they can to get you to fill out an application and ultimately sign on for a loan.

Our lenders take a more measured approach. If they don’t feel like you’re a good candidate—for whatever reason—they’ll explain why and present other options. They may have advice on the market you’re buying in, or the amount of time you should live in a residence before selling it, in addition to other guiding thoughts.

Our lending partners are full of wisdom and genuinely care about helping. Where applicable, they have deep ties to the communities they serve and are happy to make connections with local Realtors, churches, businesses and other crucial resources.

Before you begin reaching out to lenders, read our article explaining the difference between conventional and physician home loans and the advantages of each.

Moving can be difficult. Our goal is to make your life easier by simplifying the mortgage and home buying process.

physician loans

Under no obligation, we’ll analyze your situation and match you with someone who will:

  • treat you fairly
  • respect your questions
  • listen to all your questions with patience
  • guide you through all steps of the application and mortgage process
  • understand medical school terminology and the physician career path
  • educate you on mortgage rates and finance jargon
  • get you the most competitive mortgage rate possible

If you fall under any of these categories, you’re eligible:

  • Resident
  • Licensed physicians (MD)
  • DR of Optometry (OD)
  • DR of Ophthalmology (MD) (in select markets only)
  • DR of Podiatric Medicine (DPM)
  • DR of Dental Science (DDS) (in select markets only)
  • DR of Dental Medicine (DMD) (in select markets only)

Types of loans:

  • 15-Year – Conventional Fixed Rate Conforming/Nonconforming
  • 30-Year-Conventional Fixed Rate Conforming/Nonconforming
  • 5/1 ARM – 30-Year and 40-year  Loan Term
  • 7/1 ARM – 30-Year and 40-year  Loan Term
  • 10/1 ARM – 30-Year and 40-year Loan Term

Note: Physician home loans can now be implemented to refinance your home in most states. Please ask your lending partner if your state is included. Each bank has their own footprint and policy on refinancing.

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    Testimonials

    “My husband and I used Doctorloanusa.com to obtain a physician loan for our new house. The lender that we were connected with was wonderful and went above and beyond our expectations. We love our new house and we have you to thank for this mortgage program. I have referred several of my friends to your site, and specifically to the physician loan lender that helped us.”

    – Dr. Bryant

    “Our physician mortgage lender was absolutely amazing throughout the process. He made himself available at all hours of the day to help us with whatever we needed. We looked at several other companies and their service could not compare to our experience with him.

    Most other companies did not understand our situation as new physicians with medical school debt, but he made the mortgage process easy and gave us a great doctor loan package. We could not be more happy with our experience!”

    – Doctors Jessie & Bill L.

    “We want to thank you both for all of your hard work on our doctor loan.  You were timely, efficient and even had a sense of humor! Awesome.”

    – Dr. Voni S.

    “We are moving in on Friday and we are so excited. This is a life-changing event and our dream home could NOT HAVE HAPPENED if it was not for all your hard work, especially in our unusual situation. Thank you so much for working to get the loan and you are OUR HERO!.

    – Dr. Ellen G.

    “Thank you so much!  I have been through this process before and I can say that this was a much smoother process and I credit you with facilitating that. The home we purchased is exactly what we wanted and where we wanted it. This would not have happened without your help and mortgage program.

    We run across many people who are in the same position as Gaby and I – relatively fresh out of training, a lot of earning potential, but not a whole lot of savings… I will gladly give your name to them if I learn they are shopping for a physician loan. Thank you again!”

    – Dr. D.F.

    “You and your team did an outstanding job within such a short amount of time. Thanks for making it happen! Kudos!”

    – Donte D, REALTOR®

    “Thank you so much again for working so diligently with me to obtain our new home.  We had a setback with the moving company but finally got our belongings back. We are settling into the new home. Thanks again!”

    – Dr. Geoffrey M.

    Company Profile

    Founded in 2007, Doctor Loan USA gives doctors access to programs across the country that offer doctor loans. We provide our clients with the best … Read More

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    info@doctorloanusa.com
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