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What is a doctor loan?

A physician loan, also known as a doctor loan, is a mortgage product designed for medical professionals.

Low or no down payment

These loans allow doctors to buy a home with little to no down payment.

No private mortgage insurance

Unlike traditional loans, PMI is waived on a doctor loan.

Flexible debt-to-income ratios

Lenders may be more lenient with student loan debt when calculating debt-to-income ratios.

Employment flexibility

Most lenders offer these loans to doctors with an executed employment contract. This allows the physician to close on a house up to 90 days before their employment start date. The physician can also get credit for future higher income instead of their current income.

Higher loan limits

Doctor loans allow for higher borrowing amounts compared to conventional loans.

Who qualifies

  • ✅ Medical Residents, Fellows, Doctors (MD, DO)
  • ✅ Dentists (DDS, DMD)
  • ✅ Optometrists (OD)
  • ✅ Ophthalmologists (MD)
  • ✅ Podiatrists (DPM)
  • ✅ Doctors of Osteopathy (DO)
  • ✅ Psychiatrists (MD)

Get in touch with a doctor loan specialist today

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