Smart Physician Loans

Loans For Graduating Medical Students

Are you in medical school looking forward to graduation and the potential opportunity to purchase a home? Although physician loans are not available to medical students without a job contract in place, we are here to help you prepare for when that time comes.  

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Why should I be thinking about a physician loan?

As you can most likely relate, medical students often have quite a bit of debt and little savings. Even with residency upon you and income slowly increasing, your schedule will remain busy. You’ll want to look for a consistent, hassle-free loan to maintain low payments these next 3-5 years. A physician loan is a great option for a graduating medical student, offering great rates without the worry of student debt counting against you. 

What are the benefits of a physician loan for graduating medical students?

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

When you are ready to take the next steps towards homeownership, we are here to help you down a successful path.

Please reach out with any questions you may have at any time, and when graduation is on the horizon, be sure to circle back. 

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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