0% Down Options AvailableNo PMI RequiredDeferred Debt Handled

Physician loans built for how doctors actually earn.

Specialized mortgage programs designed for physicians, dentists, and high-income medical professionals. Get financing that understands your unique income situation.

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Why physicians choose Maggie Blank

Student Debt Solutions

Deferred student loans don't count against your debt-to-income ratio the same way they do at traditional lenders.

0% Down Payment

Physician loan programs allow up to 100% financing with no private mortgage insurance required.

Contract Employment

We accept attending contracts, fellowship positions, and guaranteed income provisions as qualifying income.

Entity Structuring

For high-earning specialists, we can help structure loans through LLCs or other entities for tax advantages.

Physician loan requirements

  • MD, DO, DDS, DMD, or equivalent medical/dental degree
  • Completion of residency (or currently in residency with attending contract)
  • Employment contract or letter of intent from hospital/practice
  • Credit score typically 680+ (some programs go lower)
  • Debt-to-income ratio considered with student debt adjustments

Estimated Buying Power

With physician loan programs, many doctors qualify for significantly more home than with conventional financing.

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Physician loans vs. conventional

Conventional Loan

  • ✕20% down payment typically required
  • ✕Student debt counts fully against DTI
  • ✕PMI required if under 20% down
  • ✕2 years of employment history required

Physician Loan

  • 0-5% down payment options
  • Deferred student debt may be excluded
  • No PMI required
  • Contract employment accepted

Your path to homeownership

01

Consultation

We discuss your situation, goals, and find the best physician loan program for you.

02

Pre-Approval

Get a firm pre-approval letter showing exactly what you can afford.

03

Find Your Home

Work with your realtor to find the right property in the Lowcountry.

04

Close on Time

Our physician loan expertise means smooth underwriting and on-time closing.

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Physician loan questions

Yes, many physician loan programs accept residents with a signed attending contract. Some require a minimum time remaining in residency, while others look at your future attending income.
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Free: Lowcountry Physician Relocation Guide

Everything you need to know about relocating to the Lowcountry as a physician — from housing markets and neighborhoods to schools, financing, and local resources.

Download Free Guide

Ready to buy your dream home?

Let's discuss your physician loan options and get you pre-approved.

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