Compare Leading Physician Loans

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The Doctor Mortgage Loan Program is designed to help qualified Physicians and Dentists acquire a residential mortgage loan from participating lenders with zero to very little money down and no PMI.

Use the map below to find Physician Lenders available in your State:

Results will appear at the bottom of the Page

Special Physician Loans are available.


Physician Loans are specialized mortgages tailored for medical professionals like doctors and residents. They feature benefits such as low or zero down payments, flexible debt-to-income ratios, and waived private mortgage insurance.

These loans consider future earning potential and often have lenient credit score requirements, making them accessible for those with student debt or limited credit history, facilitating homeownership while managing financial responsibilities effectively.

Eligibility requirements for physician loans:

Physician loans are specialized for medical professionals, requiring completion of a medical degree and residency, proof of healthcare employment, and a stable income. They often finance up to 100% of the home’s price without needing private mortgage insurance, ideal for doctors starting their careers while managing student debt effectively.

Tips for finding the best loan terms:

When selecting a home loan, weigh the interest rate and term length carefully. Shorter terms mean higher monthly payments but less interest over time, while longer terms offer lower monthly payments but higher overall costs. Explore physician loans for benefits like minimal down payments and waived PMI to secure favorable terms and achieve homeownership sooner.

How to prepare for the application process:

Preparing for a physician loan application involves gathering essential financial documents like tax returns, pay stubs, and bank statements. Review your credit report for accuracy and address any issues to improve eligibility and interest rates.

Obtain pre-approval to clarify your budget and streamline your home search. Proactive preparation enhances your chances of securing favorable terms for your dream home as a medical professional.

Note From the Editor:

We are pleased to announce that as September 2023, over 8,237 Physicians, Dentists and Optometrists visit our site every month!!!

It is truly an honor that our page has become one of the most comprehensive resources for new and established medical professionals in search of banks offering a Doctor Loan Program.
While this blog may not be the prettiest site on the web, we hope you find this information useful. The Goal is Simple: to compile the largest most up to date list of Doctor Loan Programs and features available in your state. Therefor allowing you to make an unbiased decision and choose the the best lender for you.
Also if you are interested, I have been writing on the topic of Physician Mortgage Loans for over 8 years. Feel free to browse my Doctor Loan Blog for useful articles, tips and resources to assist you in your research.
Thank you for visiting and enjoy the site.
Doctorloanprograms.com team