Physician Mortgage in Augusta, GA — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Augusta 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 Augusta
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. Augusta is one of the strongest healthcare markets in Georgia, anchored by Augusta University Medical Center and 1 other major hospital system — and physician mortgage programs are designed for professionals working here.
Nate Jones has helped physicians at Augusta University Medical Center and Doctors Hospital of Augusta close on homes in neighborhoods like Summerville, Olde Town, Forest Hills, and throughout the greater Augustametro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the Augusta National corridor to West Lake, Augusta offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Nate knows the Augusta market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Augusta, GA
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Augusta program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near Augusta University Medical Center, Augusta doctors use this program to buy homes without waiting to pay down student loans first. MD, DO, DDS, DMD, DPM, OD, NP, and PA credentials all qualify.
Hospital Systems in Augusta
Augusta University Medical Center
Physicians qualify for 0% down
Doctors Hospital of Augusta
Physicians qualify for 0% down
Popular Neighborhoods
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 Augusta?
Get pre-approved in minutes. No credit pull required. Nate responds same day.