Doctor Loans (Physician Mortgage)

Special mortgage programs for physicians, dentists, and medical professionals. No PMI, student loan flexibility, and future income consideration.

Key Features

• 0-10% down with no PMI
• Student loan debt handled favorably (IBR payment or excluded)
• Future income from signed employment contract accepted
• Higher DTI allowances
• Available for MDs, DOs, DMDs, DDSs, and other advanced medical degrees
• Loan amounts up to $2 million+
• Must be within 10 years of residency completion (varies by lender)

Who Is This For?

• Physicians starting practice or residency in Florida
• Dentists and specialists establishing Florida practices
• Medical professionals with high student debt but strong income
• Doctors relocating to Florida from other states

Florida-Specific Considerations

• Florida’s growing medical sector (Orlando Health, Mayo Clinic FL, Baptist Health)
• No state income tax maximizes physician take-home pay
• Strong demand in Orlando, Miami, Tampa, Jacksonville medical hubs
• Florida medical schools producing local physician homebuyers