The Doctor Loan: Home Financing Designed for Physicians

A Mortgage Solution Tailored for Medical Professionals

For graduating medical students, residents, and physicians buying a home comes with unique financial challenges. With high student debt, evolving income structures, and demanding schedules, traditional mortgage options may not always be the best fit. That’s why the Doctor Loan program was created—to provide medical professionals with flexible home financing options that align with their career trajectory.

Who Qualifies for a Doctor Loan?

This exclusive program is available to medical doctors who hold one of the following degrees:
✅ MD (Doctor of Medicine)
✅ DO (Doctor of Osteopathic Medicine)
✅ DMD (Doctor of Dental Medicine)
✅ DDS (Doctor of Dental Surgery)
✅ DVM (Doctor of Veterinary Medicine)

Applicants must provide proof of sufficient income or an active employment contract, along with required financial reserves, which vary based on loan amount.

Loan Benefits for Every Career Stage

📍 Graduating Medical Students
If you’re about to complete medical school and plan to buy a home soon after graduation, the Doctor Loan offers mortgage options designed to help you take the next step with ease.

📍 Residents
Residency is a major milestone, and homeownership shouldn’t have to wait. This program provides flexible financing options tailored to the needs of medical residents.

📍 Practicing Physicians
Established doctors looking to buy a home can take advantage of exclusive loan terms designed for high-earning professionals. The Doctor Loan understands the unique financial structure of a physician’s career and offers better mortgage solutions than many traditional loans.

Key Program Highlights

• 100% financing available up to $1,000,000

• 95% financing for loans up to $1,750,000

• 89.99% financing for loans up to $2,500,000

• Loan-to-value (LTV) financing varies based on FICO score

• Maximum loan amount of $2,500,000

• Up to $250,000 cash-out option for refinancing

• No private mortgage insurance (PMI) required

• Available for the purchase or refinance of a primary residence

Why Choose a Doctor Loan?

Unlike conventional mortgages, which often require large down payments and rigid income verification, the Doctor Loan provides flexibility, recognizing the long-term earning potential of medical professionals. Whether you’re starting your career, advancing through residency, or an established physician, this program ensures homeownership is within reach.

Ready to Learn More?

If you're a medical professional ready to buy or refinance a home, the Doctor Loan could be the perfect solution. Contact us today to explore your options and find the best financing plan for your future.