The home loan built for doctors — not for everyone else.
Watch Renato's 2-minute message — then take 30 seconds to request your personalized physician loan review.
You've spent a decade proving your worth. Your mortgage should know that.
Conventional underwriting penalizes physicians for the exact things that make you a great borrower — high student debt, late career start, and an employment contract instead of two years of W‑2s. The Physician Loan Program rewrites those rules.
*Program guidelines, maximum loan amounts, LTV tiers, and credit requirements vary by investor, occupancy, property type, profession, and state. Not all borrowers will qualify. Subject to credit and property approval.
Six reasons this program beats a conventional loan.
Designed around how doctors actually earn, train, and relocate.
Low-down-payment options
Qualifying physicians may be eligible for up to 100% financing on eligible loan amounts — helping you keep cash for your practice, your move, or reserves.
No PMI required
Most physician-loan investors waive private mortgage insurance even with low down payments, which can lower your monthly payment versus a comparable conventional loan.
Student-loan friendly
Underwriting can use your actual income-driven repayment (IDR) figure — or $0 when properly documented as deferred — instead of a flat percentage of your balance.
Close on a signed contract
A fully-executed employment contract can be used to qualify. Many physicians close 60–90 days before their start date, subject to investor and underwriter approval.
Jumbo-eligible scenarios
Higher loan amounts may be available with a modest down payment. Maximum loan size, LTV, and pricing vary by investor, credit profile, and property.
Primary, 2nd home & refi
Physician programs are typically available for a primary residence, a second home, or a refinance — eligibility depends on the specific program selected.
If you have the degree, you likely qualify.
The Physician Loan accepts a wide range of medical credentials — including residents and fellows still in training.
Quick eligibility review. A full application and credit check are required for any loan decision.
Start eligibility checkA process that respects your schedule.
15 minutes with Renato. We map your timeline, target home, and licensing state.
Soft pull, contract review, and a real pre‑approval letter you can shop with.
Win the home, lock your rate, and start underwriting — all white‑glove.
Up to 90 days before your start date. Move in, then start your residency or new role.
Doctors who made the move.
"Renato closed our home three weeks before my fellowship started. We didn't touch our savings and we had zero PMI."
"Two other lenders told me my student loans killed the deal. Renato structured it on IDR and we closed at $1.4M."
"From application to clear‑to‑close in twelve days. He texted updates at 8pm. Felt like a concierge, not a lender."
Testimonials reflect the individual experience of past clients who provided their consent. Names have been abbreviated for privacy. Individual results vary and are not a guarantee of future loan terms, approval, or outcomes for any other borrower.
Answers, before you ask.
Let's find out what you actually qualify for.
A 15-minute call with Renato. Honest answers, real scenarios, zero pressure. A full application and credit check are required for any loan decision.
