What is a physician loan?
Physician loans (sometimes called “doctor loans”) are designed for medical professionals who have strong future earning potential but may still carry student loan debt. These programs may allow more flexible treatment of student loans in qualifying compared with some traditional mortgages.
Who may qualify
Eligible roles commonly include physicians (MD/DO), dentists (DDS/DMD), and other licensed medical professionals depending on the program. Residency status and licensing details matter—your loan officer will confirm program fit.
Features you may see (program dependent)
- Lower down payment options than many jumbo/conventional alternatives for qualified borrowers.
- Higher loan amounts available in some programs.
- ARM options are common; fixed options may be available depending on the program.
What we will review together
- Your employment contract or income documentation path.
- How student loans are calculated in your debt-to-income ratio.
- Primary residence requirements and reserve guidelines.
Next step
If you are within 24 months of completing training—or already in practice—reach out with your start date and target price range.
Contact us to see what you qualify for
Physician loan programs are subject to specific eligibility requirements, including profession, income, credit, and property criteria.
All loans are subject to credit and underwriting approval. Program guidelines, rates, and limits change. This page is for general education and is not a commitment to lend. Ask a licensed loan officer for details that apply to you.