About Smart Physician Loans

Smart Physician Loans was established to help doctors, practicing physicians and residents look towards homeownership as they navigate the nuances of student debt and fluctuating income.

Our hope is to provide resources to help educate and guide you as well as establish connections to the right experts tailored to your financial success. Our network of qualified loan officers specializing in physician loans is a great place to start. 

What are the benefits of a physician loan?

  • Low or zero down payment 
  • No private mortgage insurance (PMI). This could save you up to 1% annually, which adds up on an expensive purchase like a home! 
  • Student loan debt is not counted into your debt-to-income ratio. This qualifies you based on your future income and allows for a high-priced property loan.  
  • Flexible payment options
  • Higher loan limits are often available, typically at the same rate.
  • Seamless underwriting due to physician’s unique circumstances
  • Option to close 90-120 days before starting a new job with a contract

Have questions about a physician loan?

We are help to help! Please reach out to us at anytime.