You spent years training for your career — your mortgage should account for that. Physician loan programs are designed around the realities doctors face: limited down payment early on, heavy student debt, an income ramp that hasn't fully shown up yet, and pay that doesn't always fit a standard W-2 box.
Program availability, limits and terms vary by lender and are subject to underwriting; figures are typical ranges, not offers.
These programs solve the four frictions that trip up physician buyers — not just the rate.
Eligible programs may allow up to 100% financing on a primary residence — so you can buy without tying up cash you'd rather keep for life, practice, or reserves.
Qualifying physician programs typically skip traditional private mortgage insurance, even at higher loan-to-value — which can meaningfully lower your monthly payment.
The right program often treats medical student debt very differently from a generic loan file — including options to use income-driven or, in some resident/fellow cases, reduced payment figures when you qualify.
Have a signed employment contract or offer letter but haven't started yet? Many programs let you qualify on that projected income and close before your first paycheck — often up to about 150 days before your start date.
Contract or 1099 physician with a guaranteed salary or hourly rate? There are programs designed for income that doesn't fit a clean W-2 pattern — subject to documentation and underwriting.
As a broker, I'm not tied to a single product. I can compare physician programs across multiple investors and match your scenario to the one that actually fits — instead of forcing you into one box.
If you see yourself below, it's worth a conversation.
Buying during training, or moving as you transition to an attending role. Programs can often work from your signed contract rather than only your current training paycheck.
Strong future income and good credit, but heavy student debt and not much saved for a large down payment yet. This is the classic doctor-loan sweet spot.
Paid under a guaranteed salary or hourly agreement instead of a standard W-2. Certain programs are built specifically for this, subject to documentation.
You could qualify conventionally, but want to preserve liquidity for investing, a practice, or reserves rather than locking up 20% in a down payment.
Programs commonly extend to a range of medical professionals, which may include:
Eligible designations vary by program. If your credential isn't listed, ask — it may still qualify under the right program.
A simple, low-pressure path from first conversation to closing.
We talk through your timeline, income type, and goals — no credit pull required to start.
I compare physician options across investors and find the ones that fit your scenario.
We document income, contract, and assets, and structure the file the way underwriting expects.
Shop with confidence and close — in many cases before your start date.
A 15-minute call is the fastest way to see what physician programs you actually fit. No pressure, no obligation — just a clear read on your options. Book a time that works for you, or call me directly.
This page is for general informational purposes only and is not a commitment to lend, an offer to extend credit, or a guarantee of any rate, term, or program. All loan programs are subject to credit approval, income and asset verification, property eligibility, and underwriting guidelines, and program availability, terms, and features vary by investor and by state and are subject to change without notice. Features such as up to 100% financing, no mortgage insurance, projected-income qualification, and student-loan flexibility apply only to eligible borrowers under specific programs and are not available on all loans. Not all applicants will qualify. Contact Jason Neil Walters to discuss your individual situation.