Brunswick, GAPhysician loan
Doctor’s loan, 0% down
Up to 100% financing and no PMI for a medical professional household.
0% downBuyer’s agent @katedanowski_re
Home › Loan options › Physician loans
Physician mortgage loans built around a medical career
Little or no down payment, no PMI and student loans treated fairly — for doctors, dentists, pharmacists, vets, residents and fellows.
0%down for eligible borrowers
No PMIeven with a small down payment
Up to $2Mloan amounts
For eligible borrowers. Programs, terms and availability vary by lender and can change — ask Craig for current details.
Who it fits
- MD, DO, DDS, DMD, PharmD, DVM/VMD, DPM and CRNA
- Residents and fellows
- New graduates with a signed employment contract
Good to know
- Student loans are considered more flexibly than on a conventional loan.
- You may be able to close before your first paycheck with a signed contract.
- Physician loans can carry slightly higher rates than conventional — Craig will compare both.
How it works
From first call to keys
Talk to Craig
A 15-minute call about your goals, timeline and budget. No credit pull, no pressure — just straight answers.
Get pre-approved
Apply online in about ten minutes. Craig compares lenders and programs and sends you a pre-approval you can shop with.
Close on time
Craig keeps you, your agent and title in the loop every week, and gets you to the closing table — often in 21 days or less.
Closed with Craig
Recent closings like yours
Real loans Craig closed — what the buyer needed and how it came together.
Brunswick, GA
Dallas, TXVA purchase
A second opinion that paid off
Came in pre-approved elsewhere and wanted another look. We restructured the deal and got him a better one.
Smooth closeBuyer’s agent @quentin.dfwrealtor
Sachse, TXRefinance
Saving over $1,000 a month
That is $12,000+ a year back in the homeowner’s pocket.
Closed in 9 days
Payment calculator
Estimate your monthly payment
Estimated monthly payment
$0/mo
- Principal & interest
- Property tax
- Insurance
- Mortgage insurance
- Loan amount
Illustration only — not a quote. VA shows the funding fee financed (2.15% first use) and no monthly MI; FHA uses 1.75% upfront and 0.55% annual MIP; conventional MI is estimated at 0.5%/yr under 20% down. Ask Craig for real numbers on your scenario.
FAQ
Physician loans: common questions
I am still in residency. Can I qualify?
Often yes. Troy and Andrea bought while she was moving from residency to her first attending position.
Do deferred student loans count against me?
Physician programs treat deferred and income-based payments more flexibly than standard guidelines.
Can I use it for a second home?
Physician programs are usually for a primary residence.
How long does it take to close?
Most loans close in about 21–30 days. Some of Craig’s recent clients closed a purchase in 9 days and a refinance in 4 days when the file was ready — every file is different.
How much do I need for a down payment?
It depends on the program. VA, USDA and physician loans can be zero down for eligible borrowers, FHA starts at 3.5%, and some conventional programs start at 3% — or 1% with lender-paid assistance for income-qualified buyers. Down payment assistance can cover part or all of it.
Compare
All loan optionsOther options worth a look
VA loans$0 down, no PMI and limits on closing costs for veterans, active-duty service members and eligible surviving spouses.
VA one-time close constructionBuy the land and finance construction in a single closing — with participating lenders, no payments for up to 11 months while the home is built.
30-year fixedThe lowest monthly payment of the traditional loans, and a rate that never changes.
Need a human touch?
Craig picks up.
Call, text or book 15 minutes. You will talk to Craig — not a call centre.