Physician Mortgage Loans Tailored for Medical Professionals
Buy the Home You Deserve — with Smarter, Physician-Focused Financing
Whether you’re a newly licensed resident or an established healthcare professional, our custom physician mortgage programs are designed to help you purchase or refinance your home with ease and flexibility. At USMF, we understand the unique financial profile of medical professionals — and we structure smarter loans that work for you, not against you.
Top-Rated Doctor Mortgage Loans | No PMI, Low Down Payment Options
We offer specialized home financing programs for the following healthcare professionals:
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Physicians (MD & DO)
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Dentists
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Pharmacists
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Veterinarians
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Optometrists
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Ophthalmologists
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Plastic Surgeons
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Dermatologists
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Cardiologists
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Pediatricians
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Other licensed healthcare providers
Don’t see your specialty listed? Contact us to learn if you qualify.
Why Choose a Physician Mortgage Loan?
Traditional mortgage lenders often overlook the unique earning potential and debt structure of medical professionals. Our physician home loan program is built specifically for doctors, residents, fellows, and other high-income healthcare providers — offering:
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Up to 100% financing (no down payment in most cases)
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No private mortgage insurance (PMI), even with low or zero down
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Flexible DTI and employment history requirements
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Approval based on future or current employment contracts
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Loan amounts up to $2 million
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Available for primary residences (purchase or refinance)
These features allow doctors to purchase homes earlier, with more favorable terms than conventional mortgages — even while carrying student loan debt.
Physician Mortgage Loan Options by Career Stage
For Established Physicians
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Finance up to $750,000 with no down payment
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Finance up to $2 million with a 10% down payment
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No PMI required
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Fixed or Adjustable Rate Mortgages (ARM) available
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Refinance options available
For Residents, Fellows, and Newly Practicing Doctors
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Finance up to $750,000 with no down payment
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Finance up to $1 million with low down payment options
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No PMI required
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Flexible qualifying guidelines for new employment contracts
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Fixed or ARM options available
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Refinance options available
Start Your Physician Mortgage Pre-Approval Today
Our team specializes in helping doctors navigate the mortgage process with ease. Whether you’re relocating for residency, upgrading to your dream home, or refinancing to a better rate, our doctor home loan specialists are here to help.
Get Started Now
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Quick, no-obligation pre-approval
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Personalized loan recommendations
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No PMI, low or zero down payment
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Programs available nationwide