Home Financing Solutions
Physician Mortgage Loans
Buying a home as a physician comes with unique financial challenges, such as student loan debt and career transitions.
Physicians Thrive connects you with exclusive physician mortgage loans designed to simplify homeownership for doctors at every career stage.
Whether you’re a resident purchasing your first home, relocating for a new role, or investing in a second property, our tailored mortgage solutions offer low down payments, no PMI, and flexible debt-to-income ratios.
Our team of experts guides you through every step—from pre-approval to closing—so you can secure the home you want without financial barriers holding you back.
How It Works
It begins with an initial consultation, where we discuss your goals and eligibility for physician mortgage loans with our mortgage experts.
Next, we guide you through the pre-approval process, connecting you with physician-friendly lenders who can quickly secure pre-approval based on your employment contract or anticipated income potential.
Once pre-approved, our team helps you compare loan options, reviewing mortgage terms, interest rates, and repayment plans to ensure you find the best fit for your financial situation.
From there, we assist you in finding your home, partnering with trusted real estate professionals to identify the perfect property—whether it’s a primary residence, vacation home, or investment opportunity.
Finally, we provide comprehensive closing support, coordinating with lenders, agents, and other parties to ensure a seamless loan process from application to final paperwork.
No PMI & Low Down Payments
Physician mortgage loans offer 0-5% down payment options with no Private Mortgage Insurance (PMI) requirements, even for high-value homes.
Student Loan Flexibility
Lenders adjust debt-to-income ratios to account for student loans, making it easier for physicians to qualify for competitive mortgage terms.
Relocation & Second Homes
Secure financing for relocations, vacation homes, or investment properties with flexible loan solutions tailored to physicians.
Frequently Asked Questions
Who qualifies for a physician mortgage loan?
Physician mortgage loans are available to MDs, DOs, residents, fellows, and some dentists (DMD/DDS), even with significant student loan debt.
What are the benefits of physician mortgage loans?
Benefits include low or no down payments, no PMI, flexible debt-to-income ratios, and competitive interest rates customized for physicians.
Can I qualify for a mortgage loan during residency?
Yes, residents and fellows can qualify based on their employment contracts and future earning potential, even before receiving their first paycheck.
More on mortgages
Related Services
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!
