How We Match Physicians
With Lenders
We use physician-specific criteria, including career stage, location, loan size, and program availability, to identify banks offering relevant physician loan options.
You remain in control, we help narrow the field.
Find a Physician Specialist
Physician loan availability varies by state. Select your state to view lenders and banker contacts.
Why Physicians Use Dr Home Finance
Physician-only
focus
Nationwide lender
network
Transparent, neutral guidance
Experience with
relocations
Why Do Lenders Offer Physician Mortgage Loans?
Physician mortgage lenders recognize that doctors often graduate with significant student loan debt, yet still represent a strong long-term credit profile. Even early in their careers, physicians typically have stable employment, contract-based income, and a clear path to higher earnings.
Because physicians historically demonstrate lower default rates and strong earning potential, many banks have developed loan programs that account for student loans, limited work history, and delayed savings. These programs are designed to support physicians during key transition points, such as completing training or relocating for a new position.
For lenders, physician mortgage programs are a way to build long-term relationships with borrowers whose financial needs evolve over time. For physicians, these programs can offer flexibility and access to home financing earlier in their careers.
If you’re exploring whether a physician mortgage is right for you, we’ve put together resources that explain how these programs work and what to expect.
Guidance Built Around Physicians
Dr Home Finance focuses exclusively on helping physicians navigate home financing and relocation decisions. Our role is to help you understand your options and connect with lenders who offer physician-focused mortgage programs across the U.S.
We work with a growing network of banks experienced in physician lending, allowing us to surface relevant options without pushing you toward a single outcome. Our goal is simple: provide clear, unbiased guidance so you can choose what works best for your career, finances, and timeline.
Whether you’re just beginning to explore physician mortgage loans or actively preparing to buy, we’re here to help you make informed decisions with confidence.
If you’d like personalized guidance or help comparing your options, we’re happy to talk.
Disclosure
Dr Home Finance provides information and connections. Physicians choose their lender independently.
