- Home
- About
- Rates
- Calculator
- Loan Programs
- Down Payment Assistance
- FHA Loans
- Conventional Loans
- VA Loans
- Jumbo Loan
- DSCR Loans
- Self-Employed Loans
- Second Mortgages
- P&L Loans
- HELOC Loans
- Bank Statement Loans
- Reno/Rehab Loans
- Reverse Mortgages
- USDA Loans
- Construction Loans
- Debt Consolidations Loan
- Investor Loans
- Equity Builder Rapid Payoff Loan
- Doctor Loans
- Teacher Loans
- Law Enforcement Loans
- Resources
- News
Exclusive for Medical Professionals
Doctor Loans: Your Path to Homeownership
- Purchase
- Refinance
- Cash Out
- Consolidation
- Residence
- Investment
Specialized mortgage solutions designed exclusively for physicians, dentists, and medical professionals. Get 100% financing with no PMI, even with student debt.
Up to 100% Financing
No PMI Required
Student Loans Accepted
Flexible Terms
⚡ Pre-approval in as little as 24 hours • Close in 10 days
$0
Down Payment
0%
PMI Required
2,500+
Doctors Financed
$800M+
Loans Funded
4.9★
Average Rating
98%
Customer Satisfaction
Why Choose a Doctor Loan?
Exclusive mortgage benefits designed specifically for medical professionals who deserve special consideration.
100% Financing Available
Purchase your dream home with zero down payment. Keep your savings invested and maintain financial flexibility.
No Private Mortgage Insurance
Save hundreds per month. Unlike conventional loans, doctor mortgages don't require PMI even with less than 20% down.
Student Loans Considered
High student debt won't hold you back. We understand your earning potential and career trajectory.
Competitive Interest Rates
Access to preferential rates reserved for medical professionals with strong earning potential.
Quick Pre-Approval
Get pre-approved in 24 hours. Fast processing designed for busy medical professionals.
Loan Amounts Up to $2M
Finance properties up to $2 million with flexible terms tailored to your needs.
Doctor Loan vs. Traditional Mortgage
See how doctor mortgages provide superior benefits compared to conventional financing options.
RECOMMENDED
Doctor Loan
For Medical Professionals
Down Payment Required
0-10%
Private Mortgage Insurance (PMI)
None
Student Loan Consideration
Flexible
Maximum Loan Amount
Up to $2M
Pre-approval Speed
24-48 hours
Income Verification
Contract accepted
Conventional Loan
Standard Mortgage
Down Payment Required
10-20%
Private Mortgage Insurance (PMI)
Required if <20% down
Student Loan Consideration
Strict DTI calculations
Maximum Loan Amount
Limited by DTI
Pre-approval Speed
3-7 days
Income Verification
2 years history required
Average Monthly Savings: $350-500 by eliminating PMI
Simple 4-Step Process
From application to closing, we've streamlined everything for busy medical professionals.
10 minutes
Submit Application
Complete our simple online application in 10 minutes. We'll review your employment contract and financial profile.
24-48 hours
Get Pre-Approved
Receive your pre-approval letter within 24-48 hours. Start house hunting with confidence knowing your budget.
2-8 weeks
Find Your Home
Shop for your dream home with your dedicated loan officer available throughout your search.
10-30 days
Close & Move In
Fast closing process in as little as 10 days. Get your keys and start your new chapter.
10 minutes
Submit Application
Complete our simple online application in 10 minutes. We'll review your employment contract and financial profile.
24-48 hours
Get Pre-Approved
Receive your pre-approval letter within 24-48 hours. Start house hunting with confidence knowing your budget.
2-8 weeks
Find Your Home
Shop for your dream home with your dedicated loan officer available throughout your search.
10-30 days
Close & Move In
Fast closing process in as little as 10 days. Get your keys and start your new chapter.
Trusted by Medical Professionals
See what doctors are saying about their experience with our specialized loan program.
Dr. Sarah Mitchell
Pediatrician
"As a new physician with significant student debt, I never thought homeownership was possible so soon. The doctor loan program allowed me to buy my dream home with zero down and no PMI. The process was incredibly smooth, and Rodney guided me every step of the way."
Dr. James Rodriguez
Orthopedic Surgeon
"I was amazed at how straightforward everything was. They understood my employment contract and didn't penalize me for my student loans. Closed in just 12 days! Highly recommend this program to any medical professional looking to buy a home."
Frequently Asked Questions
Get answers to common questions about doctor mortgage loans and the application process.
Doctor loans are available to MDs, DOs, DMDs, DDSs, DVMs, and some other medical professionals.
This includes residents, fellows, and physicians in their first years of practice. You'll need
to show proof of your medical degree and employment contract or offer letter.
Doctor loans typically allow you to borrow up to $2 million, depending on your income and the
property location. Some lenders may offer higher limits for established physicians with strong
income documentation.
Yes! Many doctor loan programs offer 100% financing, meaning you can purchase a home with no
down payment. However, you can choose to put money down if you prefer, which may help you secure
a lower interest rate.
Doctor loan programs understand that medical professionals carry significant student debt. These
programs use more flexible debt-to-income calculations and often don't count your full student
loan payment, focusing instead on your earning potential.
Most applicants receive pre-approval within 24-48 hours. The full underwriting and closing
process typically takes 10-30 days, significantly faster than conventional mortgages. We work
quickly because we understand your busy schedule.
Doctor loans are specifically designed for primary residences. However, once you've established
residency, you can explore other financing options for investment properties. We can help guide
you through those options when you're ready.
You'll need your medical degree or license, employment contract or offer letter, recent pay
stubs (if currently employed), bank statements, and credit report. If you're a resident or
fellow, we can work with your contract even if you haven't started earning yet.
Yes! Doctor loan interest rates are highly competitive and often comparable to or better than
conventional mortgage rates. Your rate will depend on factors like credit score, loan amount,
and down payment amount.
Ready to Own Your Dream Home?
Join thousands of medical professionals who have achieved homeownership through our specialized doctor loan program. Get started today with a simple application.
No obligation pre-approval in 24 hours
Expert guidance from start to finish
Competitive rates and flexible terms
(916) 232 3040
Doctor Loan
- Purchase
- Refinance
- Cash Out
- Consolidation
- Residence
- Investment
You can use Doctor Mortgage loans for the financing purposes of PURCHASE, REFINANCE, CASH-OUT, DEBT-CONSOLIDATION, RENOVATION, REHAB, REMODEL, GROUND UP CONSTRUCTION for both your primary residence and for rental investment property.
Tailored Mortgage Solutions for Medical Professionals
The Doctor Loan Program by the Rodney Rose Mortgage Team is designed specifically for medical professionals — including physicians, dentists, veterinarians, and other healthcare providers — who are ready to purchase or refinance a home. This program provides flexible lending options that account for your unique financial situation, such as high student loan balances or limited work history due to years of medical training.
Whether you’re a resident just starting your career or an established practitioner, this loan makes homeownership achievable with minimal hurdles.
Why Choose the Equity Builder Rapid Payoff Loan?
Low to No Down Payment Options
Buy your dream home with as little as 0%–5% down.
No Private Mortgage Insurance (PMI)
Save hundreds per month with no PMI requirement.
Flexible Debt-to-Income Ratios
We understand student loan debt — and we make it work for you.
High Loan Limits
Qualify for larger loan amounts to match your earning potential.
Future Income Considered
Use your employment contract or future start date for qualification.
Eligibility Loan Requirements
Eligible Professionals
Available to licensed medical professionals, including doctors (MD, DO), dentists (DDS, DMD), veterinarians (DVM), optometrists (OD), pharmacists (PharmD), nurse practitioners (NP), and physician assistants (PA).
Employment Status
Must be actively employed or have a signed employment contract starting within 60–90 days of loan closing.
Credit Score
Minimum 700 credit score for most programs.
Higher credit scores can qualify for better rates and higher loan limits.
Down Payment
As low as 0–5%, depending on loan amount and lender.
Many doctor loans require no private mortgage insurance (PMI) even with low down payments.
Debt-to-Income Ratio (DTI)
Flexible DTI guidelines to accommodate medical school debt.
Lenders may exclude or adjust student loan payments for qualifying doctors.
Income Verification
Proof of steady income or an employment contract is required.
Self-employed professionals may need 2 years of tax returns and business financials.
Documentation You'll Need
The list of documentation items shown below is a good general list. However, based on your borrower profile overlayed with the specific loan program underwriting guidelines, you may need to provide additional information. In some circumstances, you may not need to provide the entire list of items. Speak with Rodney Rose, your trusted loan officer, for your specific documentation needed.
Tax returns - You will need to fill in a Form 4506-T, and provide your tax forms (the last 2 years should suffice).
Pay stubs, W-2s, 1099's, K-1's, or other proof of income -These include your most recent 1 month of pay stubs. If you are self-employed you must provide the two most recent tax returns as well as a year-to-date profit and loss statement. If you file a separate business tax return, you will need to provide the most recent 2 years along with a year-to-date profit and loss statement.
Bank statements and other assets - Lenders need your most recent 2 months bank statements and may request proof of your retirement accounts, assets, as well as other investment accounts.
Credit history and FICO score - Your credit report will be obtained which will provide details of your credit payment history, including any episodes of bankruptcies or foreclosures.
Gift letters - If any friend or family member wants to help you with the down payment or closing costs by offering you some cash you must provide a “gift letter” which states that the money is a gift and not a loan.
Photo ID - Provide a government issued ID with photo such as a driver's license or passport.
Renting history - Your history as a tenant on rent to guarantee you can pay your rent bills on time.
Co-Borrower or Co-Signor - If a Co-Borrower or Co-Signor is used in qualifying. You will need to provide all of the same items for them also.
Get Started Today
Take the first step toward homeownership with a mortgage designed for medical professionals.
The Doctor Loan Process
Understanding the steps involved in obtaining an Doctor loan helps ensure a smooth application process.
Initial Consultation
Meet with a loan officer from the Rodney Rose Mortgage Team who specializes in medical professional loans to review your goals and financial profile.
Document Preparation
Prepare key documents such as your medical license, employment contract, or proof of practice ownership.
Pre-Qualification
Based on your credentials and income potential, receive a tailored pre-qualification showing your purchase power and loan options.
Underwriting
Your application is carefully reviewed, factoring in your education, debt load, and upcoming employment.
Loan Approval & Closing
Once approved, you’ll finalize your loan documents and close on your new home with competitive terms designed for your profession.
Frequently Asked Questions
Get answers to common questions about P&L statement loans and how they work for business owners.
What is a Doctor Loan?
A Doctor Loan is a special mortgage program designed exclusively for medical professionals such as doctors, dentists, veterinarians, and pharmacists. It offers flexible financing, low down payment options, and often no private mortgage insurance (PMI).
Who qualifies for a Doctor Loan?
Eligible borrowers typically include licensed medical professionals — MDs, DOs, DDSs, DMDs, DVMs, and PharmDs. Recent medical school graduates and residents may also qualify, even with limited job history or student loan debt.
What are the benefits of a Doctor Loan?
Doctor Loans provide major advantages such as low or no down payment, no PMI, higher loan limits, and flexible debt-to-income ratios. These programs are designed to accommodate the unique financial situations of medical professionals starting their careers.
Can I qualify if I have student loan debt?
Yes. Doctor Loan programs often take into account future earning potential and may offer flexible terms for borrowers with significant student loan debt, unlike traditional mortgage programs.
Do I need to be currently practicing to apply?
No. Medical residents, fellows, and new graduates with a signed employment contract can often qualify before their official start date.
What types of properties can I purchase with a Doctor Loan?
Doctor Loans can be used to purchase or refinance a primary residence, including single-family homes, condos, and townhouses. Some programs may also allow multi-unit properties.
How much can I borrow with a Doctor Loan?
Loan limits vary depending on your location and lender guidelines. However, Doctor Loans typically offer higher borrowing limits compared to conventional loans — sometimes up to $1 million or more.
E Mortgage Capital, Inc. is a full-service mortgage company that offers extensive options for residential mortgages, with quick service and leading rates
Loan
Information
About
Legal
Rodney Rose
NMLS#: 1396861
DRE#: 00853403
E Mortgage Capital, Inc.
NMLS#: 1396861
DRE#: 00853403
Locations
915 Highland Pointe Dr, Roseville, CA 95678, USA
3401 Mallory Ln, Franklin, TN 37067, USA
3750 S Susan Street Santa Ana, CA 92704
