Physician Mortgage Loans in Texas & Florida
A loan that sees your future.
Built for doctors — low or zero down, no PMI, and student loans counted the way they should be.
120+ lender partners · Same-day response · NMLS #2661068 · Licensed in TX & FL
Overview
Doctors have enormous earning potential paired with a financial snapshot that traditional underwriting punishes: six-figure student loans, a brand-new employment contract, and little saved after years of training. A physician mortgage loan — often called a doctor loan — is built to solve exactly that mismatch, with low or zero down payment, no private mortgage insurance (PMI), and student-loan treatment that reflects reality rather than the sticker balance.
The logic behind these programs is sound: a physician's default risk is very low and their income curve steep, so lenders that specialize in this space are comfortable extending terms a conventional underwriter can't. Many programs serve residents, fellows, and attending physicians across Texas and Florida, and several let you qualify on a signed employment contract before your first paycheck arrives. I match your stage, specialty, and debt load to the program that treats them most favorably.
How the loan handles student debt and contracts
Two features do most of the work. First, student loans are typically counted at your income-driven repayment amount or excluded when properly deferred — instead of a large full balance that would wreck your debt-to-income ratio. Second, future income: a signed employment contract for an upcoming attending or fellowship role can often be used to qualify, so you can buy before you start rather than waiting months into the job. Add low-to-no down payment with no PMI, and a doctor who looks "unqualified" on paper becomes a strong, bankable borrower. I run the DTI both ways so you can see the difference the physician structure makes.
Who it's for
Physician loans fit residents and fellows, newly minted attendings, and established physicians buying up; MDs and DOs, and at many lenders dentists (DDS/DMD) as well. They're most valuable when student debt is large, savings are thin, or you're relocating for a new role and want to buy on the strength of the contract.
What to know
Physician Mortgage Loans, plainly.
Low or zero down
Often 0–10% down with no PMI, even at higher loan amounts.
Student loans, realistically
Income-driven payments or excluded deferred loans keep your DTI workable.
Buy before you start
A signed employment contract can often qualify you before your first paycheck.
Whole career arc
Residents, fellows, and attendings; MDs, DOs, and (at many lenders) dentists.
Jumbo-capable
Higher loan amounts for higher-value Texas and Florida markets.
120+ lenders shopped
Programs differ on debt and contract rules; I find the most favorable fit.
Frequently asked
Frequently asked questions.
Related guides
- Physician Mortgage Loans (Doctor Loans) ExplainedHow physician mortgage loans work — low or zero down, no PMI, and flexible student-loan and employment-contract rules for doctors, residents, and fellows in TX & FL.
- Professional Mortgage Loans: For Attorneys, CPAs, Dentists & MoreProfessional mortgage loans extend doctor-loan-style benefits — low down payment, no PMI, flexible debt rules — to attorneys, CPAs, dentists, and other licensed professionals in TX & FL.
- How Student Loans Affect Buying a House (and How to Still Qualify)How student loans affect mortgage qualifying — how lenders count IBR vs deferred payments in your DTI, and programs that help high-debt buyers qualify. For TX & FL buyers.
Explore related programs
- ProfessionalDoctor-loan-style benefits for high-earning professionals — low down payment, no PMI, and student debt handled realistically.
- CPAProfessional-loan benefits built for accountants — low down payment, no PMI, and smart handling of student and business debt.
- AttorneyBuilt for lawyers — low down payment, no PMI, and law-school debt handled realistically alongside your earning power.
Next step
See what you qualify for as a physician.
Tell me your role and student loans and I'll show you options next to conventional.
120+ lender partners · Same-day response · NMLS #2661068 · Licensed in TX & FL
NMLS #2661068 · 120+ lender partners · same-day response