Solutions for Physicians and Practices
Personal & Commercial Mortgages for Physicians
Physicians Thrive offers tailored mortgage solutions to meet the unique financial needs of doctors—whether for personal or commercial real estate.
From purchasing your dream home to financing medical office spaces or expanding your practice, we connect you with physician-friendly lenders offering competitive rates, flexible terms, and streamlined approvals.
With options for low down payments, no PMI, and personalized loan strategies, we make the mortgage process simple and efficient.
Whether you’re a new physician buying your first home or a practice owner seeking to expand, Physicians Thrive ensures you secure the right mortgage solution aligned with your personal and professional goals.
How It Works
The process begins with an initial consultation, where we discuss your mortgage goals, financial profile, and eligibility.
For personal mortgages, we connect you with physician-focused lenders offering exclusive benefits like low down payments and no PMI.
If you’re looking for a commercial mortgage, we work with you to identify financing options for medical office purchases, practice build-outs, or expansions. Once pre-approved, we help you compare rates, repayment terms, and loan structures to ensure the best fit.
Finally, we support you through the closing process, coordinating with lenders, agents, and other stakeholders for a seamless and efficient experience.
Personal Mortgage Solutions
Physician-specific mortgages with low down payments, no PMI, and flexible terms to simplify homeownership for doctors at all career stages.
Commercial Mortgage Financing
Funding for medical office purchases, practice expansions, and build-outs, tailored to align with your practice’s growth goals.
End-to-End Support
From consultation to closing, we guide you every step of the way to secure the best mortgage solution for your unique needs.
Frequently Asked Questions
What are the benefits of physician-specific personal mortgages?
Physician mortgages offer benefits such as low or no down payments, no Private Mortgage Insurance (PMI), and flexible debt-to-income (DTI) ratios to accommodate student loans.
Can you help with financing medical office spaces?
Yes! We provide commercial mortgage solutions for purchasing or renovating medical offices, building custom facilities, and expanding practices.
How is a physician mortgage different from a traditional mortgage?
Physician mortgages are designed to meet the unique financial needs of doctors, offering better terms, accounting for future income potential, and reducing upfront costs like PMI.
More on mortgages
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110,500 Physicians
…and Counting
We’ve educated and served thousands of physicians.
Our team has helped physicians in all 50 states better understand their unique financial situations.
7,000+ satisfied physicians
– Jigar Panchal
I worked with Dave Swan recently for disability insurance. Dave and his team were very professional and courteous. He was always available for questions and was overall a pleasure to work with.
– Saurabh Singhal
I couldn’t recommend Dave & Steve Stratman for contract review services more. I also further have a meeting set with Dave to discuss disability insurance and continue our discussion about financial education and planning in the upcoming weeks.
– Nick Peacock
Great company to work with, helped me set up own occupation disability insurance and were very helpful and great at explaining things along the way.
– Ealena Callender
I have been very pleased with Physician’s Thrive. Their representatives are always responsive and helpful. Michaela is pleasant and eager to help. It is great to have one reliable place to go for a wide range of services. I highly recommend them to anyone who asks.
– Doug Zaruta
Top notch all-inclusive financial planning, contract review, accounting, tax planning, and more. Dave Swan is a true professional with strong values and integrity. He and the entire team at Physician’s Thrive are trustworthy, reliable, and accessible.
– Jake Luther
Michaela provided excellent advice regarding student loan repayment, investments, and home buying when I was entering residency. I highly recommend her and this company for any physicians that are in search of financial advising.
– Colton Roessner
Michaela gave a great presentation on medical student financial literacy and making the transition from student to resident to attending physician. I would highly recommend her for anyone with financial questions about medical student loans and financial planning!
