Physician Mortgage Lenders in South Carolina
South Carolina's healthcare hubs in Charleston, Columbia, Greenville, and coastal communities attract physicians seeking career growth and lifestyle. South Carolina physician mortgage programs offer no PMI, 0% down payment options, and favorable terms—helping doctors purchase homes near MUSC, Prisma Health, and regional systems.
Premier Lenders
Alliant Credit Union offers an industry-leading Medical Professional Loan Program designed to support physicians and medical professionals through career transitions, relocations, and early earning years. The program is available nationwide (except Maryland) and is known for its high loan limits, flexible student loan treatment, and no private mortgage insurance.
Alliant treats its physician loan as a core lending product, allowing for consistent underwriting, conforming and non-conforming options, and flexible qualification for both new and established medical professionals.
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Atlantic Union Bank is a regional financial institution offering specialized mortgage solutions for medical and healthcare professionals. Atlantic Union provides a physician mortgage program designed to help doctors and clinicians purchase a home with flexible underwriting, low down payment options, and student loan considerations that reflect the realities of medical careers.
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First Horizon Bank offers a physician mortgage program designed for medical professionals who need flexible financing during career transitions, relocations, and home purchases in competitive markets. The program supports both early-career and established physicians, including those who do not fit traditional conventional lending guidelines.
First Horizon treats its physician loan as a core relationship product, allowing for higher loan limits, low down payment options, and fewer restrictions related to time out of training.
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First National Bank of Pennsylvania (FNB) is a regional banking institution offering a physician-focused mortgage program designed to help medical professionals purchase or refinance with low to no down payment and flexible product options. This program is featured through White Coat Investor’s partner network and is structured to accommodate high-earning professionals early in their careers.
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Primis Mortgage Company is a subsidiary of Primis Bank, a Member FDIC institution. Its Doctor Loan is built for medical professionals who carry significant student debt but have strong earning potential — qualifying borrowers on expected income rather than current debt-to-income alone. The program offers up to 100% financing with no private mortgage insurance, making it a strong option for physicians who want low upfront costs early in their careers.
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TD Bank Medical Professional Mortgage is a home buying program with specific benefits designed to help physicians, surgeons, dentists, residents and fellows who are new to the medical field purchase a home. At TD Bank, we recognize the different stages of a medical career and the challenges presented, such as managing student loan debt.
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Lenders
First Citizens Bank offers a physician mortgage program designed for medical professionals seeking flexible, high-balance financing with no private mortgage insurance. The program supports both early-career and established physicians and allows for alternative treatment of student loan debt, future employment income, and tiered down payment structures for higher loan amounts.
This program is built to accommodate doctors purchasing or refinancing primary or secondary homes, as well as those building new homes through construction-to-permanent financing.
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Fifth Third Bank offers flexible lending solutions for physicians and high-income professionals by evaluating each client’s full financial picture and tailoring loan options to fit their goals. The bank supports a wide range of purchase, refinance, and construction scenarios, making it a strong option for borrowers with complex income or property needs.
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First Citizens Bank offers a specialized Medical Mortgage program designed to support physicians and healthcare professionals through every stage of their careers. Through its partnership with White Coat Investor, First Citizens provides flexible underwriting, high loan limits, and low-down-payment options to help medical borrowers purchase or build their homes while preserving cash.
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First Community Mortgage provides a wide range of mortgage solutions for medical professionals, offering flexible underwriting and high loan limits tailored to physicians and healthcare borrowers. The program is designed to support residents, fellows, and established providers, including those with contract income, 1099 earnings, and non-traditional financial profiles. First Community Mortgage also offers financing to non-permanent residents with lawful work authorization, subject to standard guidelines.
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Physician Mortgages in South Carolina: A Doctor's Research Guide
South Carolina's coast, growing cities, and warm climate make it one of the South's strongest relocation markets for physicians — from Charleston and Columbia to Greenville and Myrtle Beach. Along the coast, insurance and flood considerations add a layer worth planning for. Dr. Home Finance is not a lender. We're a research and matching service that connects doctors and medical professionals with banks that have built mortgage programs specifically for physicians. The rates, limits, and terms below come from those lenders — not from us — and are subject to each lender's approval.
Get matched with a South Carolina physician-mortgage lender →
What makes a physician mortgage different
Physician programs ("doctor loans") are designed around the financial shape of a medical career. Compared with a conventional loan, the banks in our network commonly offer:
Low or no down payment, with some lenders financing up to 100% (varies by lender and degree)
No private mortgage insurance (PMI), even with less than 20% down
Student-loan-friendly underwriting, often using income-based payments rather than the full balance
Qualifying on a signed employment contract, before your first paycheck
The lenders shown above offer physician programs in South Carolina — compare all lenders or get matched.
What's different about buying in South Carolina
Several growing metros: Charleston, Columbia (the capital), Greenville in the Upstate, and the Myrtle Beach coast each have distinct markets and price points.
Where the medical jobs are: MUSC Health (Charleston), Prisma Health (the state's largest system), Roper St. Francis, and Bon Secours are major physician employers.
Coastal insurance and flood considerations: Charleston and the coast carry wind, hurricane, and flood factors — confirm insurance and any flood-zone requirements before you commit.
Strong relocation growth: rapid in-migration keeps demand high in popular areas, so pre-approval helps you move quickly.
Budget the whole payment, not just price: factor coastal insurance, taxes, and your full monthly cost with the mortgage calculator.
Who qualifies in South Carolina
Most physician programs are open to MD, DO, DDS/DMD, and DPM — and some extend to DVM and other advanced degrees — at the resident, fellow, and attending stages. Eligibility and terms vary by lender. Learn how physician loans work and which degrees qualify.
How Dr. Home Finance helps South Carolina doctors
We give you the research to understand your options and match you with a banker whose physician program fits your situation — at no cost and no obligation. You can also contact a banker directly. We never lend and never steer you to a specific rate; we help you compare and connect. Start your match →
South Carolina physician mortgage FAQ
Do doctors get better mortgage rates in South Carolina?
Not automatically. The advantage is usually in the terms — no PMI, low or no down payment, and student-debt-friendly underwriting — more than a guaranteed lower rate. Rates vary by lender and profile, which is why comparing matters.
How do physician mortgage loans work?
A bank with a physician program lets eligible doctors finance a home with little or no money down and without PMI, often qualifying you on a signed contract and income-based student-loan payments. You're matched with a lender, get pre-approved, and shop with confidence.
Are physician loans 0% down in South Carolina?
Some lenders offer up to 100% financing for eligible physicians; others ask for a small down payment. It depends on the lender, your degree, and the loan amount.
Who qualifies for a physician mortgage in South Carolina?
Generally MD, DO, DDS/DMD, and DPM physicians — residents, fellows, and attendings — with some lenders including additional degrees. Each lender sets its own rules.
Can South Carolina residents and fellows buy before they start work?
Often, yes — many programs let you close using a signed employment contract shortly before your start date. Common for doctors relocating to South Carolina for training at MUSC or a position with Prisma Health.
Compare South Carolina physician-mortgage lenders and get matched →
Where doctors buy in South Carolina
In South Carolina, physician buyers concentrate around Charleston, Columbia, and Greenville, anchored by the state's largest systems.
Charleston — home to MUSC Health, the academic health system of the Medical University of South Carolina
Greenville — anchored by Prisma Health, the state's largest health system
Columbia — the capital region served by Prisma Health and other providers
Home prices vary widely between South Carolina's major metros and its smaller communities, so a physician mortgage pre-approval helps you shop confidently in whichever market fits your role. Compare lenders that serve South Carolina →
Keep researching physician mortgages
Who qualifies — degrees, and residents vs. attendings
Student loans & how much house you can afford
The home‑buying process, step by step
Reviewed by Jessica Hegge, Partner at Dr. Home Finance. Dr. Home Finance is a research and matching service, not a lender or broker; all loan terms are provided by third-party lenders and subject to their approval. Equal Housing Opportunity.