Exclusive for Medical Professionals

Doctor Loans: Your Path to Homeownership

  • Purchase
  • Refinance
  • Cash Out
  • Debt 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

Professional doctor holding house keys - Doctor mortgage loan specialist
$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 testimonial

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 testimonial

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."

4.9/5 from 500+ doctor reviews

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.

Still have questions?

Our team of mortgage specialists is here to help.

Call us at (916) 232-3040
Rodney Rose Mortgage Team
Loans available nationwide
Low Rate, Low Fee.
"A Loan for every home"
Guaranteed Closing*
Rodney Rose best mortgage loan officer in california
Rodney Rose
Loan Officer / Branch Manager
NMLS#: 1396861 DRE#: 00853403
C: (916) 232 3040
E: rrose@emortgagecapital.com
W: MortgageMarketUpdate.com
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Offices
Doctor celebrating new home purchase with doctor loan program

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) 223 2775
rodney@emortgagecapital.com
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