You Didn't Follow A Traditional Career Path.
Medical careers often come with years of education, residency, fellowship, student debt and changing compensation structures.
Physician loan programs may provide financing options designed to take some of these circumstances into consideration.
Financing That Understands The Journey.
Depending on the specific program and borrower qualifications, physician financing may offer features designed around common financial considerations for medical professionals.
Preserve More Of Your Cash For What Matters.
Certain physician loan programs may offer qualifying borrowers lower down payment options, allowing them to consider how they want to allocate their available cash.
DOWN PAYMENT OPTIONSStudent Loan Consideration
Some programs use specialized guidelines when evaluating qualifying student loan obligations.
Career Transition
Options may be available for qualifying physicians transitioning from residency or fellowship into practice.
Personalized Guidance
Get one-on-one guidance through your mortgage journey from application to closing.
Don't Let Your Career Stage Define Your Homebuying Options.
Whether you're finishing residency, beginning your practice, or already established, the right financing conversation starts with understanding your complete financial picture.
Let's Talk →Mortgage Guidance At Every Stage.
Residency
Planning ahead while you're building the foundation of your medical career.
Fellowship
Exploring your next move while preparing for your transition into practice.
New Practice
Navigating a new income structure and the next stage of your financial life.
Established
Building your home, your portfolio, and your long-term financial strategy.
Built For Medical Professionals.
Eligibility varies by program, lender and borrower circumstances. Physician financing may be available to qualifying professionals in different stages of their medical careers.
Check Your Options →Four Steps. One Clear Direction.
Start A Conversation
Tell us about your career, financial picture and homeownership goals.
Review Your Options
We'll discuss available programs and how they may fit your circumstances.
Get Pre-Approved
Complete the application and review process to understand your potential financing.
Move Forward
Once you're ready, we'll guide you through the mortgage process toward closing.
Physician Loan FAQs.
What is a physician loan? +
A physician loan is a mortgage program designed for qualifying medical professionals. Depending on the program, it may include financing features intended to address certain financial circumstances common among physicians.
Can physician loans have lower down payment options? +
Certain programs may offer qualifying borrowers lower down payment options. Requirements vary based on the lender, loan program, property and borrower qualifications.
How are student loans considered? +
Student loan treatment varies by program. Some physician loan programs may use specialized guidelines when evaluating qualifying student loan obligations.
Can residents or fellows qualify? +
Some programs may be available to qualifying residents and fellows. Eligibility depends on the specific program and individual circumstances.
How do I find out if I qualify? +
The best starting point is a conversation with a mortgage professional who can review your career stage, income, assets, debts and goals.
Ready for your next move?
Choose Phil or PJ to start your application.