The Best Physician Mortgage Guidance You Can Trust
We help physicians understand their loan options, compare trusted banks, and get connected with the programs that fit their career and goals.
Helped
1000s
of Physicians
Find a Physician Mortgage Loan in your State.
Physician loan availability varies by state. Select your state to view lenders and banker contacts.
Simple steps to finding the right lender
STEP 1:
Share your goals and timeline
Tell us where you’re headed and what stage of your medical career you’re in.
STEP2:
Connect with a local lender that offers exclusive physician mortgages
We introduce you to vetted banks offering competitive physician loan programs.
STEP 3:
Understand your options
You compare programs and move forward with the lender that fits your needs.
What is a physician mortgage?
A physician mortgage is a home loan designed for doctors (often residents, fellows, attendings, dentists, and sometimes veterinarians) that’s built to handle common physician realities—high student loans, limited savings early on, and relocation timelines. The big goal is to reduce friction in underwriting and help you buy sooner with less stress.
Who typically qualifies for a physician mortgage?
Most programs are geared toward MD/DO physicians, residents, fellows, and attendings. Many also include dentists (DDS/DMD) and sometimes other advanced-degree medical professionals depending on the lender. Eligibility is lender-specific, but if you’re in training or a practicing physician, it’s worth checking.
How is a physician mortgage different from a conventional loan?
The difference is flexibility. Conventional loans are built for “standard” income and debt profiles. Physician mortgages are built for doctors—often allowing lower down payments, avoiding monthly mortgage insurance in many cases, and applying more reasonable approaches to student loan debt and future income scenarios.
Do physician mortgages require PMI (mortgage insurance)?
Often, no—especially compared to conventional loans with low down payments. Many physician mortgage programs offer low down payment options without monthly PMI, which can significantly reduce the monthly payment versus a standard conventional structure. Exact terms vary by lender and loan size.
How much down payment do I need?
Many physician mortgage programs offer options ranging from 0% to 5% down depending on loan amount, credit profile, and the lender’s specific tiers. Some require 10%+ for larger loan sizes. The best structure is the one that fits your cash reserves, timeline, and overall financial plan—not just the minimum down.
Our Articles
May 7, 2026
Best Physician Mortgage in Maryland: A Smarter Way for Doctors to Buy
Lender Reviews
May 4, 2026
Physician Mortgage in Maryland: First National Bank’s Solutions for Physicians, Simplified by Chris Urti
Lender Reviews
May 2, 2026
How the War Is Impacting Mortgage Rates, Banks, and Physician Mortgages
Physician Mortgage Guides
April 29, 2026
Q&A with Tim Scurlock: The 4-Point Mortgage Checkup (and the Mindset Shift Every New Resident/Doctor Needs)
Lender Reviews
