The Home of the Doctor Loan

What is so special about the PhysicianLoans program?

It is a great loan for doctors regardless of whether they are just out of medical school, in residency, or physicians who have been in practice for many years.

Most doctors are looking for loans with low interest rates that enable them to put very little or a zero down payment, not use their student loan debt if they have any in their debt ratio, use future income rather than current or past income, and yet enable them to move in before they start their job. We understand these needs and our Doctor Loan accommodates all of these needs.

This typical scenario poses many challenges for most lenders including all standard Fannie Mae loans. Most physicians would not qualify for the best rates given the type of loan they need. Most companies try to do these loans as non-conforming loans with higher rates and less attractive terms. So we have developed a special product to meet the needs of these physicians who want the benefits of home ownership with the BEST loan possible. Our underwriting is set up such that we understand your unique situation and we make it easier to qualify. We offer the BEST RATES, zero down payment, do not count deferred student loans in your debt ratios, no PMI, allow for higher debt ratios, allow you to qualify based on your new income months before you even begin your new job, and much more.

No other loan has all of these benefits AND still provides GREAT RATES. Our Doctor Loan is simply the best way for a physician to obtain home financing.

How are we able to offer these great benefits to physicians?

Our research has shown that physicians with high credit scores have a very low risk of default on residential mortgages even if they have high debt, higher ratios, few assets and/or buy a home with little to no money down. Normally these items cause concern for underwriters who may approve the loan but at higher rates. We look at the loan differently. We know that your unique financial position is normal to doctors and that your rate of default on mortgages is still much lower than any other occupation. This is why we are able to offer a 100% loan with No PMI and at GREAT rates. We understand the big picture.

Feel confident that when you are working with PhysicianLoans, you are working with the best. Since 1993, thousands of physicians have had a great experience with us.

Read what several of these thousands of satisfied clients have to say...

"You were excellent to work with. There were many questions/decision to be made along the way and you helped walk us through each one. As 1st time buyers, we were pleased to have had such a positive experience. Thanks! "

- Dr. Mathew and Susan Evans, Howell, MI

"Again, as always, we had an awesome experience with PhysicianLoans. Closing was flawless and we got a great deal which PhysicianLoans had everything to do with. Thank you for all you've done for us."

- Dr. Steve and Katie Druhan, Columbus, OH