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Physician Mortgage Loan Programs — Premier, Gold and Silver tiers for doctors and healthcare professionals
For Physicians & Healthcare Professionals

Physician Mortgage Loan Programs

Three tiers of physician home loans — Premier, Gold & Silver — built around the way medical careers actually work. Years of training shouldn't delay homeownership. Our physician loan programs may offer up to 100% financing, no mortgage insurance, flexible student loan treatment, and loan amounts up to $3 million for qualifying doctors, dentists, veterinarians, pharmacists, and advanced practice providers — including residents, fellows, and interns.

Financing your future. Focusing on what matters most.

Physician Financing Advantages

Financing Designed Around a Medical Career

Traditional underwriting can penalize new physicians for student debt and short income history. Physician mortgage programs are structured for qualifying healthcare professionals at every stage — from residency to established practice.

Low or No Down Payment

Up to 100% financing may be available depending on program tier and loan amount.

No Mortgage Insurance

No PMI on many programs, even with little or nothing down — which can meaningfully lower your monthly payment.

Flexible Student Loan Treatment

More lenient calculations; deferred or forbearance payments may be excluded for residents and fellows.

High Loan Limits

Loan amounts up to $2M–$3M depending on the program tier you qualify for.

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Premier Physician Home LoanGold Physician Home LoanSilver Physician Home LoanHelp on Loan Type? Try Mortgage Navigator™
01.

Premier Physician Home Loan

Tier 1 — Top Tier · Up to 100% financing

Specifically designed for doctoral-level providers (MDs, DOs, DDSs, DMDs, DVMs), as well as medical residents, interns, and fellows. Premier offers up to 100% financing with a maximum loan amount of $2 million and is restricted to primary residences only.

The Premier tier is especially lenient on student loans, allowing certain deferred payments to be excluded from DTI calculations — a meaningful advantage for physicians early in their careers.

Eligible practice types

  • Medical Doctor (MD)
  • Doctor of Osteopathy (DO)
  • Doctor of Dental Science or Surgery (DDS)
  • Doctor of Dental Medicine (DMD)
  • Doctor of Ophthalmology (MD or DO)
  • Doctor of Psychiatry (MD or DO)
  • Doctor of Pharmacy (PharmD)
  • Doctor of Veterinary Medicine (DVM or VMD)
  • Doctor of Podiatric Medicine (DPM)
  • CRNA with DNAP or DNP
  • Residents, fellows, or interns with one of the above degrees

Program highlights

  • Up to 100% financing
  • No MI required regardless of down payment
  • More lenient student loan debt calculations
  • Deferred/forbearance payments may be excluded for residents & fellows
  • Loan amounts up to $2M
  • Minimum FICO 680
  • Primary residence only
  • Purchase and rate-and-term refinance
  • 30- & 15-year fixed, 5/6, 7/6, 10/6 ARMs

Ideal for: Residents, fellows, and newly practicing doctoral-level providers who want maximum financing, the most flexible student loan treatment, and a lower credit score threshold.

At least one qualifying borrower must hold an eligible professional designation.

Get Pre-ApprovedDocuments RequiredBack to Programs
02.

Gold Physician Home Loan

Tier 2 · Up to 97% financing · Loans to $3M

The Gold tier broadens eligibility to include a wider range of healthcare professionals — registered nurses, nurse practitioners, physician assistants, chiropractors, and clinical nurse specialists.

Gold provides up to 97% financing, allows the purchase of both primary and second homes, and increases the maximum loan amount to $3 million — the highest limit of the three tiers.

Eligible practice types

  • Medical Doctor (MD)
  • Doctor of Osteopathy (DO)
  • Doctor of Dental Science or Surgery (DDS)
  • Doctor of Dental Medicine (DMD)
  • Doctor of Ophthalmology (MD or DO)
  • Doctor of Optometry (OD)
  • Doctor of Psychiatry (MD or DO)
  • Doctor of Pharmacy (PharmD)
  • Doctor of Veterinary Medicine (DVM or VMD)
  • Doctor of Podiatric Medicine (DPM)
  • Certified Registered Nurse Anesthetist (CRNA)
  • Physician Assistant (PA)
  • Registered Nurse (RN)
  • Nurse Practitioner (NP)
  • Clinical Nurse Specialist (CNS)
  • Chiropractor (DC)
  • Residents, fellows, or interns with one of the above degrees

Program highlights

  • 700+ FICO
  • Maximum LTV 97%
  • No mortgage insurance required
  • Up to 50% DTI
  • Primary and second home
  • Loan amounts to $3M
  • Highest loan limit of the three tiers

Ideal for: The widest range of healthcare professionals — including nurses, NPs, PAs, and chiropractors — and borrowers who need higher loan amounts or want to finance a second home.

At least one qualifying borrower must hold an eligible professional designation.

Get Pre-ApprovedDocuments RequiredBack to Programs
03.

Silver Physician Home Loan

Tier 3 · Up to 100% financing · 100% LTV with strong credit

The Silver tier is available to physicians and select advanced healthcare providers — including physician assistants, nurse practitioners, CRNAs, and optometrists.

Silver offers up to 100% financing, a maximum loan amount of $2 million, and is strictly for primary residences — designed for borrowers with strong credit who want true 100% financing.

Eligible practice types

  • Medical Doctor (MD)
  • Doctor of Osteopathy (DO)
  • Doctor of Dental Science or Surgery (DDS)
  • Doctor of Dental Medicine (DMD)
  • Doctor of Ophthalmology (MD or DO)
  • Doctor of Psychiatry (MD or DO)
  • Doctor of Pharmacy (PharmD)
  • Doctor of Veterinary Medicine (DVM or VMD)
  • Doctor of Podiatric Medicine (DPM)
  • Physician Assistant (PA)
  • Nurse Practitioner (NP)
  • CRNA with DNAP or DNP
  • Doctor of Optometry (OD)
  • Residents, fellows, or interns with one of the above degrees

Program highlights

  • 700+ FICO
  • Maximum LTV 100%
  • No mortgage insurance required
  • Up to 50% DTI
  • Primary homes only
  • Loan amounts to $2M

Ideal for: Physicians and advanced practice providers with strong credit who want true 100% financing on a primary residence.

At least one qualifying borrower must hold an eligible professional designation.

Get Pre-ApprovedDocuments RequiredBack to Programs
At-a-Glance Comparison

Premier vs. Gold vs. Silver

A quick reference to help you identify the tier that may fit your credentials, credit profile, and financing goals.
FeaturePremier (Tier 1)Gold (Tier 2)Silver (Tier 3)
Maximum Financing (LTV)Up to 100%Up to 97%Up to 100%
Maximum Loan Amount$2 million$3 million$2 million
Minimum FICO680700+700+
Eligible Property TypesPrimary residence onlyPrimary and second homePrimary homes only
Mortgage InsuranceNone — regardless of down paymentNone requiredNone required
DTI NotesMore lenient student loan calculations; deferred/forbearance payments may be excluded for residents & fellowsUp to 50% DTIUp to 50% DTI
Eligible ProfessionsDoctoral-level providers (MD, DO, DDS, DMD, PharmD, DVM/VMD, DPM, CRNA with DNAP/DNP) plus residents, fellows & internsBroadest tier — adds OD, PA, RN, NP, CNS, DC and CRNA, plus residents, fellows & internsPhysicians plus select advanced providers (PA, NP, CRNA with DNAP/DNP, OD), plus residents, fellows & interns
Loan ProductsPurchase & rate-and-term refinance; 30- & 15-year fixed, 5/6, 7/6, 10/6 ARMsAsk your loan specialistAsk your loan specialist
Common Features

What all three physician mortgage tiers share

0–10% Down Payment

Down payment requirements vary by loan amount, tier, and borrower profile.

No PMI on Many Programs

Avoid private mortgage insurance even at higher LTVs on qualifying programs.

Favorable Student Loan Treatment

Physician programs treat student debt more favorably than conventional guidelines.

Employment Contract Accepted

Many lenders accept a signed contract in lieu of current income for new physicians.

High Loan Limits

Often up to $1–$3 million depending on lender and tier.

Residents, Fellows & Interns Welcome

Eligibility extends across all three tiers for qualifying trainees.

A Simple 4-Step Process

From first conversation to closing day, on your schedule

We know how demanding medical careers can be — our team keeps things moving so you can stay focused on your patients.
  1. 01.

    Consultation

    Talk with a physician loan specialist about your career stage, goals, and timeline — no obligation.

  2. 02.

    Eligibility Review

    We review your professional designation, credit profile, and student loan situation to identify qualifying tiers.

  3. 03.

    Loan Options

    Receive a side-by-side view of the programs and terms you may qualify for — Premier, Gold, or Silver.

  4. 04.

    Pre-Approval & Closing

    Get pre-approved, shop with confidence, and count on our team through underwriting and closing.

Ready to see which physician tier you qualify for?

Tell us your specialty, career stage, and financing goal — we'll match you with Premier, Gold, or Silver and quote your rate, payment, and student loan treatment inside 24 hours.

Get Pre-ApprovedSpeak With a Loan Officer

Physician Loan FAQ

Common questions about physician mortgages, eligibility, and how each tier works.

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  • Up to 100% Financing
    Little to no down payment on qualifying programs
  • No Mortgage Insurance
    No PMI on many programs — even with low down
  • Student Loan Flexibility
    Deferred/forbearance payments may be excluded
  • Loans Up to $3M
    High limits for established practices & specialists

Disclaimer

This page is for informational purposes only and does not constitute a commitment to lend, an offer to extend credit, or a guarantee of loan approval. Physician mortgage loan program availability, interest rates, terms, eligibility requirements, maximum loan amounts, loan-to-value limits, debt-to-income allowances, and underwriting requirements are subject to change without notice and are subject to credit approval, income and asset verification, professional designation verification, property appraisal, and full underwriting review. Not all applicants will qualify. Student loan treatment, including exclusion of deferred or forbearance payments, is subject to program guidelines and documentation requirements. 1st Florida Lending Corp is a direct mortgage lender licensed in Florida and California. Equal Housing Lender. © 2026 1st Florida Lending Corp. All rights reserved.

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