Physician To Homeowner

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How it Works

Smart Physician Loans was established to help doctors, practicing physicians and residents discover the potential for homeownership even as they navigate the nuances of student debt and fluctuating income. Our hope is to provide resources that educate and guide you along your path to financial success, as well as establish connections to the right experts tailored to fit your unique needs.
It's easy to get started!

Select your state to see a list of lenders. Feel free to request quotes from more than one lender. 
Answer a few quick questions to provide some key information to your selected lender.
Submit your request and be on the lookout for your lender’s quote within 24 hours. There is no fee or obligation!

Loans For Doctors

Ready to buy a home before you start a new job? You need a low-interest rate loan that includes a little to zero-down payment option, excludes student loan debt from your personal debt ratio, and allows for the use of your future income rather than current or past.

Loans For Practicing Physicians

Looking to buy your dream home but worried about putting down a large down payment or depleting your savings account? If you are earning a practicing physician's salary now, you can use that saved money for other investments. You need a loan that offers zero money down, a great rate, and no private mortgage insurance (PMI).

Loans For Residents

Whether you're just starting your medical residency or finishing up your last year, you need a constant, flexible loan offering. Flexibility matters when your financial standing, and potentially your living situation, fluctuate over three to five years. You need low rates, flexible terms, no private mortgage insurance (PMI), or money down.

Wealth Management

Working with a professional financial planner and wealth management team allows physicians to focus on their patients and family while feeling secured they are  financially pointed in the right direction.

Student Loan Refinancing

Don't less student loan debt take over your life. There are plenty of options for refinancing, even as a physician intern. The sooner you can start the better! No matter where you are in your career path, exploring options to refinance your medical student loans is always a good idea.