Up to 100% financing
Many programs allow low or no down payment, so you can keep cash for moving, emergencies or investing.
The physician mortgage resource
Built for doctors.
Focused on you.
Plain-English guidance on physician mortgage loans, plus a free way to get matched with a loan specialist who works with medical professionals in your state.
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We'll email you about physician loan options. Want a better match? Take the 2-minute match quiz →
- Free to use
- No obligation
- How physician loans work
Up to 100% financing*Low or no down payment
No PMI*None required
Expert guidanceEducation written for medical careers
Specialist solutionsLenders who know physician loans
Better outcomesCompare options with confidence
Get matched
Get matched with a physician loan specialist
Answer a few quick questions. We'll connect you with an independent lending partner who regularly works with physician mortgage programs in your state.
- Specialists, not call centers. Partners who understand residency contracts, deferred student loans and start dates.
- Free for you. There is no cost to use Med Pro Mortgages.
- You stay in control. Talk to a specialist, compare options, and decide on your timeline.
Your information is shared only with the lending partner(s) matched to your request.
Prefer to talk? Call (947) 622-2191
Thank you, Doctor.
Your request is in. A physician loan specialist serving your state will reach out shortly, usually within one business day.
- Have your contract or offer letter handy if you're starting a new position.
- Know your student loan repayment plan (IDR, deferment, or standard).
Physician loans 101
What is a physician loan?
A physician loan (sometimes called a "doctor loan") is a mortgage program built around the realities of a medical career: high future income, significant student debt, and a job offer that often comes before the paychecks do.
Conventional mortgages typically want 20% down to avoid private mortgage insurance and count your full student loan payment against you. Physician loan programs are offered by select banks and credit unions that see doctors as low-risk borrowers, so they relax those rules. The trade-off can be a slightly higher rate or fewer program options, which is why it pays to compare.
Read the full physician loan guideNo PMI
Physician loans don't require private mortgage insurance, so there's no PMI added to your payment.
Student loans treated favorably
Deferred loans or income-driven payments may be excluded or calculated more generously in your debt-to-income ratio.
Close before you start
Many lenders accept a signed employment contract, letting you close before your first day on the job.
Physician loan vs. conventional loan at a glance
Typical features| Feature | Physician loan | Conventional loan |
|---|---|---|
| Down payment | 0–10% common | 3–20% |
| Private mortgage insurance | None | Required under 20% down |
| Student loans in DTI | Often excluded or reduced | Counted, often at 0.5–1% of balance |
| Proof of income | Signed contract may qualify | Pay stubs & history |
| Who qualifies | MDs, DOs and, with many lenders, dentists and other professionals | Anyone who meets guidelines |
*Program availability, eligible professions, loan limits, rates and terms vary by lender, state and borrower qualifications. Med Pro Mortgages does not make loans; this content is educational and is not an offer to lend.
Simple. Modern. Purposeful.
Everything a medical professional needs to buy with confidence
Doctor focused
Built only for medical careers
Home financing
Programs for your first or next home
Pre-approval
Shop with a strong offer in hand
Fast closing
Timelines built around your start date
Specialist loans
Lenders who know physician programs
Purchase
Low down payment, no PMI
Refinance
Revisit your rate, with no PMI
Build wealth
Keep cash working for your goals
Trusted partners
Independent, vetted lending partners
Guidance
Unbiased education at every step
Secure
Your information, handled with care
Financial freedom
A home that fits your long-term plan
Lenders by state
Now serving physicians in 20 states
Physician loan programs are licensed and offered state by state. Choose your state to see partner availability and get matched with a specialist who lends there.
Select a state to get started
We currently serve physicians in the 20 states above. Not in one of them? Tell us your state and we'll let you know when we arrive.
Partner lenders coming soon
Get matched
How it works
Three steps to the right specialist
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01
Tell us about you
Answer a few questions about your profession, career stage, state and goals. It takes about two minutes.
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02
Get matched
We connect you with an independent physician loan specialist who is licensed to lend in your state.
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03
Compare & close
Review your options, ask questions and move forward on your timeline, with no obligation.
Guides
Physician mortgage guides
Straightforward, unbiased articles to help you make a smart decision.
Residents
Physician Loan vs. Conventional: Which Is Better for Residents?
Down payment, no PMI and rate trade-offs, compared side by side for trainees.
Student loans
How Lenders Treat Student Loans on a Physician Mortgage
IDR, deferment, PSLF: what counts toward your debt-to-income ratio.
Buying
Can You Close on a Home Before Your Attending Job Starts?
How contract-based underwriting works and the timelines to plan around.
Eligibility
Physician Loans for Dentists and Veterinarians: Who Qualifies?
Which professions lenders accept, and where eligibility varies.
Residents
Should You Buy a Home During Residency? A Framework for Deciding
Rent vs. buy math, time horizon and the hidden costs of owning in training.
Refinance
Refinancing a Physician Loan: When It Makes Sense
Rate drops, adding equity and moving to a conventional loan later.
For residents & fellows
Matched, moving and thinking about buying?
Physician loans can let trainees buy with little down and close on a signed contract. But buying isn't right for everyone in residency. We help you weigh it honestly first.
Talk to a specialist- Plan for a 3–7 year horizon. Short stays make transaction costs harder to recoup.
- Know your student loan strategy. PSLF and IDR plans affect how lenders view your debt.
- Budget beyond the mortgage. Taxes, insurance, maintenance and HOA fees add up.
- Time it to your start date. Many programs close up to 60–90 days before employment.
About Med Pro Mortgages
An independent resource for medical professionals
Med Pro Mortgages was created to make physician mortgages easier to understand and easier to shop. We publish practical education and connect doctors with independent lending partners who specialize in physician loan programs.
We are not a lender or mortgage broker, and we never make credit decisions. Our job is to help you understand your options and reach the right people.
Mortgages for doctors.By experts.
Is Med Pro Mortgages a lender?
No. Med Pro Mortgages is not a lender or mortgage broker and does not make loans or credit decisions. We connect consumers with independent lending partners, who are responsible for all loan terms and approvals.
Which states do you serve?
We currently serve physicians in 20 states: Alabama, Arkansas, Colorado, Georgia, Illinois, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia and Wisconsin. If your state isn't listed, choose "My state isn't listed" in the match quiz and we'll email you when we expand.
Does it cost anything to get matched?
No. Using Med Pro Mortgages is free for consumers, and there is no obligation to work with any lender you're introduced to.
Who is eligible for a physician loan?
MDs and DOs are eligible with nearly every program. Many lenders also include dentists, and some include veterinarians and other doctoral-level professionals. Residents, fellows and graduating students with signed contracts often qualify.
Will getting matched affect my credit?
Submitting our form does not pull your credit. A lending partner may request permission to check your credit later if you choose to apply or get pre-approved.
Can I use a physician loan for a second home or rental?
Most physician loan programs are limited to a primary residence. Your specialist can explain alternatives for second homes and investment properties.
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