Physician Home Loans

Physician Mortgage Options for Doctors Buying a Home

in Denver

Physician home loans, also called physician mortgages or doctor loans, are designed around some of the financial realities that can make traditional mortgage qualification more challenging for physicians. Significant student loan debt, limited savings early in a medical career and buying before starting a new position can all affect traditional financing.

If you’re a resident, fellow, or attending physician planning to buy a home in Denver, these specialized loan programs may offer more flexibility. The right option depends on your career stage, finances and long-term goals, so it’s important to understand both the benefits and potential tradeoffs before choosing a loan.

Common Benefits of Physician Home Loans

and arrow alt circle right icon 0% down payment on qualifying loans up to $1.25M (varies by lender)

arrow alt circle right icon No private mortgage insurance

arrow alt circle right icon Flexible treatment of student loan debt and income

arrow alt circle right icon Options that may allow you to buy before starting a new job

arrow alt circle right icon Qualifying borrowers include MDs, DOs, Dentists, Pharmacists, and more

This loan is not right for everyone, but for many early to mid-career physicians including residents, fellows and attending physicians, it can be the key factor in making homeownership possible meanwhile dealing with the other expenses life demands.

Ready To Get Started?

Reach out to one of my trusted, Denver-based lenders to discuss your situation and learn if a physician home loan is the right option for you.