Physician Mortgage Loans

We offer physician mortgage loans, which are low down payment or no down payment mortgages available to physicians, dentists, vision professionals and other eligible health or medical professionals. We are also one of the few in the industry, who offer physician home loans for medical residency programs or medical clinical fellowship programs. Physician mortgage loans are in high demand, since they don't require mortgage insurance and are usually higher loan amounts up to 5 Million or higher depending on the location, known as jumbo mortgages or non-conforming loans.

Doctor and Dentist
Loan Programs
Our programs provide Established Doctors & New Doctors (MD, DO, DPM, DDS, or DMD) with targeted benefits and simple solutions to meet home financing needs.

We welcome you to physician personal finance and business financial advisors. We have access to just about every form of finance available nationally and internationally. With the deregulation of banking, it has allowed new choices available recently that never existed before. One of these is the availability of money through non-traditional lending sources. These money sources are available plentiful in the medical and health industry professions. The primary home of the physician is the most sought out loan program and we have multiple programs for physician home loans. You might compare us to a major department store that carries everything rather than a few specialty stores. Because we are financial consultants and can provide many choices through our company. Now you can understand why we are considered the industry standard and choice for personal or business finance. Our commodity that we offer is, in fact, money. The one commodity that everyone needs. We understand that business people, and professionals who qualify for our services, are present in greater numbers now than every before. The constant movement in our nation's economy has contributed to the need for new financing, whether for business expansion or personal investment.
Established Physicians and Dentists
* Finance up to $750,000 with no down payment required when purchasing or refinancing – or up to $1.5 million with a low down payment
* Fixed and Adjustable Rate Mortgage (ARM)* loans available

* No Private Mortgage Insurance (PMI) required
Residents, Fellows & New Physicians
* Finance up to $750,000 with no down payment required when purchasing a home – or up to $1 million with a low down payment

* Fixed and Adjustable Rate Mortgage (ARM)* loans available

* No Private Mortgage Insurance (PMI) required
* Refinancing options are available
Disclaimer & Notice
* After the initial ARM period, it is possible that the borrower's payment may increase substantially over the remaining term of the loan.
* Our New Doctor Loan Program is ideal for licensed Interns, Residents or Fellows in medical residency or scheduled to begin residency within 90 days of closing on a new home, or who have completed residency within the last 12 months and have started working for a hospital or physician group.
* Established Doctor and Dentist Loan Program is ideal for licensed Non-Residents/Interns/Fellows (MD, DO, DPM, DDS or DMD) who are employed with a hospital, dental center or physicians/dental group for more than one year or have been self-employed as a medical doctor or dentist for at least two years.
* Terms and conditions apply. The Doctor and Dentist Loan Program is restricted to primary, owner-occupied residences only. Investment properties, second homes, construction-to-perm and lot loans are ineligible. If the borrower can document that the student loan payment is deferred or in forbearance for at least 12 months after closing, the student loan payment can be excluded from the debt-to-income calculation.
* Loans are subject to credit review and approval of the underwriting department.

Physician Mortgage Loans

Physician mortgage loans are unique in itself. These loans were specifically designed for medical professionals. It is one of the most rewarding mortgage loan programs available in the marketplace. They offer incentive benefits such as "No Money Down", "No Jumbo Loan Limitations" and "No Private Mortgage Insurance"(PMI).

History of The Doctor Mortgage Loan

The physician or doctor mortgage loan came about years ago from Bank of America who realize there was an untapped market for mortgage origination's due to the fact that over 16,000 new students who studied medicine were graduating from medical school each year or from residency.  The reason why there was no program is due to the fact that this group of people had little money if any at all left from medical school.  However, they were on track to earn large sums of money in the near future and just about all of them would want to become a home owner.  Although they didn't have any money to use as a down payment and had large amounts of debt and no proven or track record of income earnings to qualify for a traditional mortgage loan, this was a market that needed to be served.

This is when the banking underwriters created a mortgage loan program for an industry with high income earners in the future.  Not only that, but the bank also realized that the default rates were much lower on these loans than the mortgage industry average.  Loans are about risks and the likely hood of paying back and paying on time.  This brought about the physician mortgage loan or doctor mortgage loan.

What is a Doctor Loan?

Features  and Benefits of Physician or Doctor Loans:

  • No Down Payment 
  • Low Down Payment
  • No Mortgage Insurance Premiums Required
  • Student Loan Payments My Not Be Counted in Ratios
  • Gift Money May Be Allowed
  • Contract Can Be Used for Income Instead of Paystubs and W2's
  • Stated Income Programs
  • Low Doc Programs
  • Full Doc Programs

Physician Home Loans

Find the perfect physician home loan program for you. We offer Low Doc, No Doc and Full Doc Jumbo Loans up to $5 Million.

Get Approved Now

Business Loans

We offer just about every type of business loan available to the medical and health profession.

Business Loans

Personal Financial Loan Advisor

Our loan and business consultant advisors will navigate you from where you are to where you want to be.

Personal Loans


We can just about offer any time of loan available in the marketplace to suit your personal, business or investment needs.


Find out how we can help you get the money you need fast.

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The choice is yours or you could pick both options.  Either way he have access to the capital needed to finance your desires.