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.
Why Physicians Choose Physician Financing
Your career and financial journey are different. Your mortgage can be, too.
Physician mortgage financing is designed around the unique financial circumstances of medical professionals—from significant student loan debt and contract-based income to relocation and rapidly growing earning potential.
Lower Down Payment Options
Qualified physicians may be able to purchase with a lower down payment, preserving cash for investments, reserves, relocation expenses, or other priorities.
No Private Mortgage Insurance
Certain physician mortgage programs offer low- or no-down-payment options without traditional private mortgage insurance, helping make financing more efficient.
Student Loan Flexibility
Physician mortgage programs may provide more flexible treatment of student loan obligations than traditional mortgage financing.
Contract & Future Income
Qualified physicians relocating for a new position may be able to use an employment contract or documented future income, subject to program guidelines.
Preserve Your Liquidity
Instead of tying up significant capital in a large down payment, qualified borrowers may retain more cash for investments, reserves, or moving expenses.
Designed for Relocating Physicians
Physician financing can provide added flexibility while transitioning to a new hospital, practice, fellowship, or healthcare system.
Financing for Higher-Value Homes
Specialized physician and jumbo financing options may provide greater flexibility for physicians purchasing luxury or higher-priced properties.
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.
Get Custom QuoteYour path to homeownership
Consultation
We discuss your situation, goals, and find the best physician loan program for you.
Pre-Approval
Get a firm pre-approval letter showing exactly what you can afford.
Find Your Home
Work with your realtor to find the right property in the Lowcountry.
Close on Time
Our physician loan expertise means smooth underwriting and on-time closing.
Physician loan questions
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 GuideReady to buy your dream home?
Let's discuss your physician loan options and get you pre-approved.