Physician Mortgage in Denver, CO — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Denver access to 0% down home loans with no PMI and student debt excluded from DTI.
Nate Jones · NMLS #304056 · New American Funding
Physician Mortgage in Denver
A physician mortgage is a specialized home loan program that lets doctors, dentists, and healthcare providers buy a home with 0% down, no PMI, and student debt excluded from DTI. Denver is one of the strongest healthcare markets in Colorado, anchored by UCHealth University of Colorado Hospital and 2 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Nate Jones has helped physicians at UCHealth University of Colorado Hospital and Denver Health close on homes in neighborhoods like LoDo, Cherry Creek, Highland, and throughout the greater Denvermetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the Union Station corridor to Capitol Hill, Denver offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Nate knows the Denver market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Denver, CO
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.
Denver's medical corridor is deep: UCHealth University of Colorado Hospital, Denver Health, National Jewish Health, Saint Joseph Hospital, and the HealthONE hospitals including Presbyterian/St. Luke's and Rose Medical Center — plus the Anschutz Medical Campus just east in Aurora, where many Denver physicians actually round. Nate closes physician loans for doctors at all of them, and a signed employment contract is enough to qualify — even before your first attending shift.
Denver's housing market runs meaningfully above the national median, with typical prices in the $550,000-$650,000 range and physician-favorite neighborhoods well above that. That's exactly where this program earns its keep: on a conventional loan, putting less than 20% down on a $600,000 home means years of PMI. The physician program removes PMI entirely, and the savings typically offset the program's small rate premium.
Washington Park, Cherry Creek, and the Highlands are the most popular physician neighborhoods — close to the hospital corridor along Colfax and 17th, with Sloan's Lake gaining ground for UCHealth and Denver Health staff. Most Denver physicians use this loan for a primary residence purchase with 100% financing available up to $1M without triggering PMI. Investment properties are ineligible; rate pricing varies with credit score, loan amount, and down payment.
Hospital Systems in Denver
UCHealth University of Colorado Hospital
Physicians qualify for 0% down
Denver Health
Physicians qualify for 0% down
National Jewish Health
Physicians qualify for 0% down
Popular Neighborhoods
Watch: Physician Mortgage in 60 Seconds
Program Highlights
Down Payment
0% — zero out of pocket
PMI
None — ever
Student Debt
Excluded from DTI
Eligible
MD, DO, DDS, DMD, DPM, OD, NP, PA
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.
Ready to Buy a Home in Denver?
Get pre-approved in minutes. No credit pull required. Nate responds same day.
Physician Mortgages in Nearby Cities
See What You Qualify For
Free · No credit pull · About 60 seconds