Smart Physician Loans

Loans For Doctors

Whether you’re fresh out of residency or a practicing doctor a few years in, a physician loan is a perfect option for you!

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Why should I consider a physician loan?

After years of fluctuating during school and residency, you are ready for the stability of homeownership but are still a few months out from starting your new job. You need a low-interest rate loan that includes a little to zero-down payment option, excludes any student loan debt from your debt-to-income ratio (DTI), and the ability to use your future income rather than current or past to quality.

How does a doctor loan work?

Many doctors struggle to meet all the typical qualifications for conventional mortgages and receive a much higher rate. However, with relaxed underwriting processes and requirements due to the unique nature of a doctor’s lifestyle, a physician loan provides you with the opportunity for a mortgage at a great rate with many additional benefits!

Benefits of a doctor loan:

  • Student loan debt omitted from the debt-to-income (DTI) ratio 
  • No private mortgage insurance is required (PMI)
  • Little to no down payment
  • Larger loan amounts
  • Flexible payment options
  • Ability to purchase 60-120 days before the job start date with a job contract in place. 
  • Lower interest rates
  • Relaxed underwriting guidelines

Have more questions? Feel free to reach out to us at anytime. We are happy to help!

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.

Smart Physician Loans

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