$875,000
Physician Loan
A resident physician with significant student debt qualified for a no-PMI loan, closing weeks after starting her residency at UNC Health.
Chapel Hill
Loan Program
Physician & Professional Loans
Your student debt and new job start date shouldn't stand between you and a home. Specialty programs for physicians, dentists, and attorneys — often with no PMI required.
2 minutes
No SSN required
Free, no obligation
Program Highlights
Built Around Your Career Path0
PMI on Many Programs
Physician and professional loan programs frequently waive private mortgage insurance even above 80% loan-to-value — a meaningful monthly savings.
90-100%
Financing Available
High loan-to-value options let you buy sooner rather than saving for years toward a large down payment.
Day 1
Employment Start Accepted
Many programs accept an employment contract and future start date — ideal for residents, fellows, and new attorneys starting a position soon.
Who It's For
For Doctors, Dentists & Attorneys.
If you're a physician, resident, dentist, or attorney with strong future earning potential but a income picture that doesn't look 'traditional' yet — significant student debt, a new job, or limited credit history — these programs are built for you.
Program Requirements
What Lenders Look For.
Professional loan underwriting weighs your career trajectory, not just your current pay stub.
MD, DO, DDS, DMD, JD, or similar
Employment contract accepted
Student loan-friendly DTI calculations
Low or no PMI options
High LTV available
New graduates & residents considered
Jumbo loan amounts available
A Deal We Closed
Success Stories
FAQ
Physician Loan Questions
Can't find your answer? Reach out directly — we're happy to talk through your specific situation at no charge.
Contact UsOur average closing time is 18 business days, and physician loans are no exception. In time-sensitive situations, like a residency start date, we can often move faster.
Yes. Most physician and professional loan programs use special debt-to-income calculations that don't penalize you the way a conventional loan would for federal student loan balances.
No. Many programs accept a signed employment contract with a start date up to 90 days out, which is common for medical residents, fellows, and new attorneys.
Not always. Several physician loan programs offer 90–100% financing, though putting money down can still improve your rate and reduce your monthly payment.