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For physicians, dentists & residentsA mortgage built around a medical career.
Standard underwriting punishes doctors: six figures of student debt, a short W-2 history, an employment contract that starts in July. Physician loans exist because none of that predicts default — and the medical corridor growing around Winter Garden and Horizon West is full of people who qualify without knowing it.
No SSN. No credit pull. Carl Mataushek, NMLS #1945717.
Why doctors get their own loan program
A physician two months out of residency often looks terrible on paper: massive student loan balances, minimal savings after training, and no job history at the new attending salary. Standard debt-to-income math says no. Physician loan programs say yes — because lenders know how reliably medical incomes grow, they underwrite the career instead of the last two tax returns.
- Low or zero down payment without PMI — the headline benefit, and real money monthly.
- Student-loan-friendly DTI — income-driven payments counted, deferred loans often excluded.
- Contract-based approval — an offer letter with a future start date can stand in for pay stubs.
- Higher loan caps — many programs reach well into jumbo territory for attending-level purchases.
The catch: every bank's version is different
Physician loans are mostly bank portfolio products, and each bank has exactly one version — its own. Eligible degrees, years-out-of-training limits, loan caps, down-payment tiers and pricing all differ, sometimes dramatically. Walk into one bank and you get one answer.
Built for the Winter Garden & Horizon West medical corridor
West Orange County is one of the fastest-growing medical employment areas in Florida — new hospital campuses and the practices that follow them keep pulling physicians, residents and medical staff into Winter Garden, Windermere and Horizon West. If you're relocating for a position, the contract-based approval matters most: you can close on a home before your first shift. And at Windermere and Dr. Phillips price points, a physician program's jumbo reach often beats a conventional loan's terms outright — compare it against a standard jumbo loan and take the better fit.
Not a physician? Adjacent options exist
Some programs cover dentists, veterinarians, pharmacists and advanced-practice providers. If you're in healthcare but outside every physician program's list, you're not out of options — a low-down first-time buyer program or a well-structured conventional loan often lands close. The point is matching the program to the person, not forcing the person into a program.
What would a doctor loan payment look like?
Pick a down-payment tier — physician programs skip PMI at every one of them.
Estimated monthly payment
$4,808
principal + interest + taxes & insurance · no PMI
*PMI estimate uses a typical 0.6%/yr on a comparable low-down conventional loan — actual PMI varies by credit and program. All figures are illustrations, not offers or commitments to lend. Physician program caps and pricing differ by lender; that's the comparison Carl runs.
Physician / Doctor Loans — straight answers
Do physician loans really have no PMI with a low down payment?
Yes — that's the defining feature. Most physician programs allow low or even zero down payment without private mortgage insurance, because lenders treat physicians' earning trajectory as the offset. The trade-off varies by lender (rate, loan cap, eligible degrees), which is exactly why comparing several programs matters.
I'm a resident with heavy student debt. Can I qualify?
Often, yes. Physician programs typically treat student loans more favorably than standard underwriting — using income-driven repayment amounts or excluding deferred loans entirely — and many accept an employment contract with a future start date instead of pay stubs. Residents and fellows are usually eligible; the specifics vary by program.
Which professionals are eligible — is it only MDs?
MD and DO are universal. Dentists (DDS/DMD) are covered by most programs, and some extend to veterinarians, pharmacists, podiatrists, PAs and CRNAs. Every lender draws its list differently — tell Carl your credentials and he'll shortlist the programs that actually fit.
Do doctor loans work for higher-priced homes in Windermere or Dr. Phillips?
Yes — many physician programs lend well past the conforming limit, effectively acting as jumbo doctor loans, still with reduced down payments. Loan caps often step by down payment tier (e.g. more down unlocks a higher cap). This is where broker comparison pays off most, because caps and pricing spread widely between banks.
Let's see what you qualify for.
Tell Carl where you're at and he'll come back with what's actually possible — usually the same day.
- No SSN and no credit pull at this stage
- Carl calls or texts you back personally — usually same day
- 14 states licensed · NMLS #1945717
Prefer to talk first? (321) 229-8084
Got it — that's on Carl's phone already.
He reviews every one personally and will reach out shortly. If it's urgent, call or text (321) 229-8084.
Ready for the full application?
If you already know what you want and would rather get straight into it, you can start the formal application now instead of waiting for Carl to call.
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