Physician Mortgage Loan — 0% Down, No PMI for Doctors & Dentists
A physician mortgage loan is a specialized home loan that lets doctors, dentists, and healthcare providers buy with 0% down and no PMI. A dentist mortgage works the same way — student debt is excluded from DTI, so you qualify on your real earning power. See what you qualify for in 2 minutes.
Nate Jones · NMLS #304056 · New American Funding
A physician mortgage loan allows doctors, residents, and fellows to buy a home with 0% down, no PMI, and student debt excluded from DTI calculations. Unlike conventional loans, physician mortgages consider future attending income — making them ideal for residents and fellows still in training. Nate Jones (NMLS #304056) at New American Funding closes physician mortgages in 48 states.
Your Medical Background
Who Qualifies for a Physician Mortgage?
Physician mortgage loans aren't just for MDs. If you work in healthcare, there's a good chance you qualify. Nate works with:
- ✓Medical Doctors (MD)
- ✓Doctors of Osteopathic Medicine (DO)
- ✓Dentists (DDS / DMD)
- ✓Oral Surgeons
- ✓Orthodontists
- ✓Podiatrists (DPM)
- ✓Optometrists (OD)
- ✓Ophthalmologists
- ✓Veterinarians (DVM)
- ✓Pharmacists (PharmD)
- ✓Nurse Practitioners (NP / APRN)
- ✓Certified Registered Nurse Anesthetists (CRNA)
- ✓Physician Assistants (PA-C)
- ✓Clinical Psychologists (PsyD / PhD)
- ✓Chiropractors (DC)
- ✓Registered Nurses (RN) with advanced degrees
- ✓Fellows and Residents
- ✓Physicians within 90 days of start date
Don't see your title? Call Nate — many other healthcare professionals qualify depending on the lender.
Like What You See?
Nate can walk you through your specific numbers. Free, no credit pull.
Common Questions
Do residents qualify for physician mortgages?
Nate answers in 90 seconds
How is student debt handled in DTI?
Nate answers in 90 seconds
Ready to See What You Qualify For?
Free review. No credit pull. Nate responds same day.