Physician Mortgage Loans Colorado
0% down. No PMI. Student debt excluded from DTI. Nate Jones · NMLS #304056.
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Doctor Home Loans Colorado
Physician mortgage, doctor home loan, physician home loan, and doctor mortgage loan all describe the same product in Colorado— 0% down, no PMI, and student debt excluded from your debt-to-income calculation. Whether you're a resident, fellow, or attending physician practicing in Denver, Boulder, Colorado Springs, or 3 other cities, the program qualifies you on your medical credentials and future earning power — not just your last two years of W-2s.
Colorado has a strong physician housing market, anchored by major hospital systems and growing healthcare employment. Nate Jones writes physician mortgages across the state for MD, DO, DDS, DMD, DPM, OD, NP, PA, DVM, and DC credentials.
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Top Cities for Physician Mortgages in Colorado
Each city below is a major physician borrower market in Colorado. Hospital systems, popular neighborhoods, and physician housing density all factor into program pricing.
Physician Mortgage Denver
Denver physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Denver is home to UCHealth University of Colorado Hospital, Denver Health, National Jewish Health — physicians at any of these hospital systems qualify. Popular physician neighborhoods include LoDo, Cherry Creek, Highland.
Searching for a physician loan in Denver, CO gets you a lot of national lender lists and not many straight answers. Here's the straight answer: the program offers zero down payment, no PMI, and your student loan debt excluded from DTI calculations entirely. It's built for medical professionals carrying six figures of training debt — interns, residents, fellows, attendings, dentists, and clinical faculty all qualify.
Full Denverphysician mortgage details →Physician Mortgage Boulder
Boulder physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Boulder is home to Boulder Community Health — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Pearl Street, University Hill, Mapleton.
Full Boulderphysician mortgage details →Physician Mortgage Colorado Springs
Colorado Springs physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Colorado Springs is home to UCHealth Memorial Hospital, Penrose Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Old Colorado City, Broadmoor, Briargate.
Full Colorado Springsphysician mortgage details →Physician Mortgage Aurora
Aurora physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Aurora is home to UCHealth Anschutz Campus, Children's Hospital Colorado — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Southlands, Tallyn's Reach, Saddle Rock.
Full Auroraphysician mortgage details →Physician Mortgage Greenwood Village
Greenwood Village physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Greenwood Village is home to Sky Ridge Medical Center, Swedish Medical Center, Porter Adventist Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include The Preserve, Denver Tech Center, Orchard.
Full Greenwood Villagephysician mortgage details →Physician Mortgage Grand Junction
Grand Junction physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Grand Junction is home to St. Mary's Medical Center, Community Hospital, VA Medical Center Grand Junction — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Redlands, Orchard Mesa, Fruita.
Full Grand Junctionphysician mortgage details →Buying an investment property after your primary home? DSCR loans require no income verification → Qualify on the rental property's cash flow.