Purchase pathway
Physicians and Medical Professionals
Physician programs exist because a resident or new attending often has an excellent income trajectory, a signed contract that has not started, limited savings and substantial student loan debt. Standard guidelines can misread that profile.
Who this is for
- Residents, fellows and attending physicians
- Dentists, veterinarians and other licensed professionals where the investor allows
- Relocating professionals starting a new position soon
How the process works
Confirm program eligibility for your profession
Eligible license types differ by investor, so this is the first question rather than the last.
Use the contract
Many programs allow qualification using a signed employment contract with a defined start date, before your first pay stub.
Compare against conventional
Physician programs are not automatically the cheapest option. Compare total cost against conventional financing before deciding.
Common mistakes
- Assuming student loans automatically disqualify you
- Choosing a program on down payment alone without comparing total cost
- Waiting until relocation week to start the loan process
Loan programs that apply
Physician Loans
Financing built around a physician's employment contract and student loan reality.
Learn more CoreConventional Loans
The most widely used financing for primary homes, second homes and rentals.
Learn more CoreJumbo Loans
Financing above conforming loan limits for higher priced homes.
Learn more SpecialtyNo DTI and Asset Acquisition Mortgage
Qualify using verified assets rather than monthly income.
Learn moreFrequently Asked Questions
Ready for the next step?
We will review your documents and give you a preapproval you can use with confidence. Not a commitment to lend.