Physician home loans
Physician loans with 0% down.
You've spent years in training. A physician loan helps you buy a home now, even with student loans and a new job, without saving a large down payment first.
Built for medical professionals
0% down for eligible borrowers
Buy with no down payment through eligible physician loan programs.
Often no PMI
Many physician programs don't require private mortgage insurance, even with a low down payment.
Student loans, handled differently
Physician programs often treat student loan debt more flexibly than standard loans.
Close on your contract
Starting a new position? Many programs let you qualify using a signed employment contract.
Who may qualify
Eligibility varies by program, but physician loans are commonly available to:
- Medical doctors (MD) and doctors of osteopathy (DO)
- Residents and fellows
- Physicians starting a new position
- Other eligible medical professionals, depending on the program
Common questions
Do I really not need a down payment?
Eligible borrowers can finance with 0% down through qualifying physician loan programs. Loan amount limits, credit, and other requirements apply.
Can I qualify during residency?
Many programs work with residents and fellows. I'll check which options fit where you are in your training.
How are my student loans counted?
Physician programs often use more flexible rules for student debt than conventional loans. Bring your loan details and I'll show you how they affect your approval.
Can I buy before my new job starts?
Often, yes. Many programs allow you to qualify with a signed employment contract. Timing rules vary by program.
Other loan options
Ready to buy with 0% down?
Call, text, or apply online, and I'll match you with the right physician loan program.
0% down available to eligible borrowers through qualifying physician loan programs; loan limits and eligibility requirements apply. Mandy Phillips, NMLS# 1878035. Omega Mortgage Group, NMLS# 1253874. This is not a commitment to lend. All loans are subject to credit approval and underwriting guidelines. Programs, rates, and terms vary by state and are subject to change.
