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Physician Home Loans Designed for Medical Professionals

NO MI , No Student Loan Payments Included, Max loan amount of $2 Million

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Up to 100% Financing for Medical Professionals

$2 Million Max Loan

Student Loans Excluded

680+ Minimal Fico

$7+ Billion

In loans Funded Yearly

93%

Closing Rate

14 DAY

Average Clear to Close

Finally - A Home Loan that Understands
Medical Professionals-

Our Physician Loan Program is designed specifically for medical professionals ready to purchase a home. With 100% financing available for 680+ credit scores, no mortgage insurance, and student loan payments excluded from qualifying, this program removes the biggest hurdles doctors typically face. Loan amounts are available up to $2 million, giving you flexibility whether you're buying your first home or upgrading.

You can also use gift funds for reserves and choose between fixed or adjustable-rate options to match your financial goals. You’ve invested years into your career — now you can invest in your home without being penalized for student debt. Let me know if you’d like to see what you qualify for.

  

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You work HARD for your clients, we have the loan that works Hard for you!


Gift Funds Allowed

You can use gift funds for your reserve requirement

Student Loans Excluded

Student loan payments are excluded from your DTI making it easier to qualify. 

Minimum Fico Scores

680+ Fico Score Required. Only 1 Credit Score Required 

Multiple Lenders

Access to multiple lenders that offer this loan program

Flexible Terms

Use this program to Purchase or Refinance. We offer Fixed and ARM options

NO Mortgage Insurance 

This program has NO mortgage insurance which can help keep your payment lower. 

APPLY IN 7 MINUTES

Physician Loans Made Easy

We make the process simple and easy for you. Connect with one of our Mortgage Specialist now.  


Get Answers to All your Mortgage Questions?

Committed to giving you all the support and guidance you need.

At least one borrower must be one of the following:

  • MD (Doctor of Medicine)
  • DO (Doctor of Osteopathic Medicine)
  • DDS / DMD (Dentists)
  • PharmD (Pharmacists)
  • DVM / VMD (Veterinarians)
  • DPM (Podiatrists)
  • CRNA (Certified Registered Nurse Anesthetist)
  • Medical Residents & Fellows (with one of the above degrees)

Must have an active employment contract (or verified acceptance).
The medical professional must contribute at least 50% of total qualifying income

With the ability to do a soft credit check, you can avoid any impact to your credit score

Once the form is submitted, you can expect loan and program options in as quick as 1-2 hours. Once under contract on a home using the program, we average 12 day closing. We pride ourselves in moving quick and efficient. 

This program is especially strong for newer doctors:

  • Employment contracts can be used (start date within 150 days).
  • Residents and fellows may qualify based on current income.
  • Student loans in deferment/forbearance may be excluded from DTI if the borrower is in residency or fellowship (per guidelines).

Manual underwriting allows for common-sense review

The main documents that will be requested once you are ready to move forward are 12-24 months worth of bank statements to calculate your income, Copy of Photo ID and Credit report.

Yes. Many physician loan programs allow residents and fellows to qualify using their future employment contract, even if they have not started their position yet.

This allows doctors to purchase a home before their first paycheck arrives.

  • 15, 20, 25, 30-year fixed
  • 5/6, 7/6, 10/6 ARMs

 

No Investment properties or second homes. Only 1-Unit primary residences are available for this program.

This program has options of 100% Financing. 

  • 680 FICO → Up to 95% LTV (loan amounts up to $2,000,000)
  • 680 FICO → Up to 100% LTV (max $1,500,000)
  • 720 FICO → Up to 100% LTV (max $2,000,000)

 

Our Recent Physician Loan Closings

Check out some of our recent closing for medical professionals  

Have Questions? We're here to help

Call Us1 (888) 370-4166Email Us

Monday - Friday 9 a.m. - 5 p.m.
Saturday - 9 a.m. - 5 p.m.

About Us

  • We've been helping customers afford the home of their dreams for many years and we love what we do.
  • NMLS: 181106
    NMLS Consumer Access


Contact Us

Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | AK AK181106 | AZ 0904774 | AR 124815 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | CO | CT ML-181106 | DE 029971 | DC MLB181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 view reinvestment notice barrettfinancial.com/illinois-reinvestment | IN 181106 | IA 2021-0157 | KS MC.0025726 | KY MB757252 & MC763707 | LA | ME 181106 | MD 181106 | MA MC181106 & MC181106 Mortgage Broker and Lender | MI fl0022342 | MN MN-MO-181106 | MS 181106 | MO 181106 | MT 181106 | NE | NV 5091 | NH 24338-MBR | NJ | NM | NC B-203722 | ND MB103863 | OH RM.804600.000 | OK ML013880 | OR | PA 92105 | RI 20224347LB | SC MLS – 181106 | SD ML.05340 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | UT 11368611 | VT LL-181106 & MB-181106 | VA MC-7357 & MC-7357 | WA MB-181106 | WV MB-181106 & ML-181106 | WI 181106BA & 181106BR | WY 4211 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106