💰 How Doctors Buy Homes with 0% Down – The Doctor Loan Advantage 💼

🩺 Doctor Loan Program Explained: Home Financing Made Easy for Physicians & Dentists 🏡

October 31, 2025•2 min read

🩺 Doctor Loan Program Explained: Home Financing Made Easy for Physicians & Dentists 🏡

💰 How Doctors Buy Homes with 0% Down – The Doctor Loan Advantage 💼

Doctors and Dentists save lives — and now there’s a loan program designed to save you money.

For medical professionals juggling residency, long hours, and student loans, saving for a home can feel impossible. That’s where the Doctor and Dentist Loan Program comes in — a mortgage option designed specifically for doctors, dentists, and other high-income professionals starting their careers.

Who Qualifies

This program is available to:

·Physicians (MD, DO, DPM)

·Dentists (DDS, DMD)

·Residents and Fellows

·Veterinarians (in select programs)

Even if you’re still in training or just graduated, you may qualify with an employment contract instead of pay stubs.

Key Benefits

·3–5% down payment options

·No PMI (Private Mortgage Insurance)

·Flexible debt-to-income ratios

·Future income accepted — banks underwrite based on your signed contract

·Portfolio loan options typically structured as 5, 7, or 10-year ARMs

Doctor loans are portfolio products, meaning they’re kept in-house by lenders — allowing more flexibility than conventional loans.

Why Banks Love Doctors

Lenders view physicians and dentists as low-risk, high-potential borrowers. Even with large student loans, your earning trajectory and job stability make you an attractive client for banks.

Doctor Loan vs. Conventional Loan

Doctor loans win on flexibility — no PMI, minimal down payment, and future income acceptance.
Conventional loans, however, can still be advantageous if you prefer fixed 30-year terms or want to use 75/20 or 80/15 piggyback financing to stay conforming.

Real Example

A recent client — a first-year resident — used a doctor loan to purchase her first home near her hospital with just 3% down and no PMI. Without this program, she would have needed to rent for years before saving enough for a conventional down payment.

Closing Thoughts

Whether you’re in residency or launching your practice, the Doctor Loan Program is designed to help you achieve homeownership faster and smarter.

👉 If you’re a doctor ready to buy your dream home without waiting years to save a massive down payment, let’s talk. I’ll help you put the stethoscope down and pick up the house keys.

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Bill Rapp - Commercial & Residential Mortgage Broker

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