.png){kind=logo}
Find Mortgage Programs
That Fit Your
Healthcare Career
Built for Healthcare Professionals
Secure & Private
Takes Less Than 60 Seconds
Featured Mortgage Program Benefits
Participating lenders may offer specialized mortgage features designed for qualified physicians and other eligible healthcare professionals.
Up to 100% Financing
Qualified borrowers may have access to high-LTV financing through participating lenders, subject to program limits and underwriting requirements.
Programs Up to $5 Million
Higher loan amounts may be available for qualified borrowers through select participating lender programs.
No Mortgage Insurance
Many physician mortgage programs do not require monthly private mortgage insurance, even with a lower down payment.
Flexible Qualification Options
Select programs may offer flexible student-loan treatment and financing for eligible non-permanent residents.
Non-Permanent Resident Programs
Mortgage options may be available for eligible non-permanent residents and qualifying visa holders through participating lenders.
Flexible Student Loan Guidelines
Some programs offer more flexible treatment of student loan payments when evaluating qualification.
Close Before Employment Start Date
Eligible borrowers may be able to close before beginning employment with an acceptable employment contract.
Fast Approvals
Participating lenders may provide quick initial reviews and preapproval decisions for qualified borrowers.
Secure & Private
Educational Resource
Lender Network
Construction Loans
No Obligation
Fast & Easy Process
How the Process Works
Answer a few simple questions to explore mortgage programs that may fit your profession and home financing goals.
Choose Your
Profession
Select the profession that best describes you.
Answer a Few
Questions
Tell us about your home financing goals.
Explore Mortgage
Programs
We'll identify mortgage programs that may fit your needs.
Connect With a
Participating Lender
Continue to connect with a participating lender.Loan Programs Designed for Healthcare Professionals
Explore a variety of mortgage solutions designed specifically for physicians and other healthcare professionals, including purchase, refinance, construction, and jumbo financing options.
Purchase
Loans
Finance your primary residence with programs designed for eligible healthcare professionals.
Construction Loans
Build your dream home with one-time close construction financing for eligible medical professionals.
Refinance Options
Explore refinancing options that may reduce payments or help achieve your financial goals.
Jumbo
Financing
Higher loan amounts with financing solutions for qualified healthcare professionals.
Frequently Asked Questions
We've answered some of the most common questions about physician mortgage programs and how BestDoctorLoans.com works.
What is a physician mortgage loan?
A physician mortgage loan is a specialized home financing program that may offer qualified medical professionals flexible down-payment options, no private mortgage insurance, higher loan limits, or alternative treatment of student loan debt. Available features, eligibility requirements, rates, and terms vary by participating lender.
Who may qualify for a physician mortgage program?
Eligibility varies by lender, but programs may be available to physicians, dentists, residents, fellows, and other qualified healthcare professionals. Each lender establishes its own requirements for eligible professions, employment, credit, income, property type, and location.
Can residents and fellows qualify before starting employment?
Some participating lenders may allow eligible residents, fellows, and other medical professionals to close before their employment begins when they have an acceptable employment contract or offer letter. Permitted timeframes and qualification requirements vary by lender.
Do physician mortgage loans require private mortgage insurance?
Many physician mortgage programs offer low-down-payment financing without private mortgage insurance. However, down-payment requirements, loan limits, rates, and other terms depend on the lender, borrower qualifications, and selected program.
How is student loan debt treated?
Some lenders use flexible guidelines when evaluating student loan obligations, including deferred payments or income-driven repayment plans. Treatment of student loan debt varies by lender and may affect the amount a borrower qualifies to finance.
Are construction loans available for healthcare professionals?
Some participating lenders offer construction-to-permanent financing that combines construction financing and the permanent mortgage into one closing. Program availability, eligible professions, down-payment requirements, and maximum loan amounts vary by lender.
Is BestDoctorLoans.com a mortgage lender?
No. BestDoctorLoans.com is an educational and lead-generation platform operated by TopSell Media, LLC. We are not a lender, mortgage broker, or financial institution and do not make credit decisions, issue loan commitments, or guarantee approval.
Does completing the questionnaire affect my credit?
Completing the BestDoctorLoans.com questionnaire does not, by itself, authorize a credit inquiry. If you choose to continue with a participating lender, that lender will explain its application process and obtain any required authorization before accessing your credit report.