Physician Lending in Baltimore, MD — 0% Down, No PMI
Physician lending gives doctors, dentists, and healthcare providers in Baltimore access to 0% down home loans with no PMI and student debt excluded.
Nate Jones · NMLS #304056 · New American Funding
Physician Lending in Baltimore
Physician lending is a specialized mortgage program that lets doctors, dentists, and healthcare providers buy a home with 0% down, no PMI, and student debt excluded from DTI. Baltimore is one of the strongest healthcare markets in Maryland, anchored by Johns Hopkins Hospital and 2 other major hospital systems — and physician lending programs are designed for professionals working here.
Nate Jones has helped physicians at Johns Hopkins Hospital and University of Maryland Medical Center close on homes in neighborhoods like Federal Hill, Canton, Fells Point, and throughout the greater Baltimoremetro. Whether you're a resident just starting out or an attending looking to upgrade, physician lending is built for your situation.
From the Inner Harbor corridor to Harbor East, Baltimore offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Nate knows the Baltimore market and works directly with you from pre-approval to closing.
Hospital Systems in Baltimore
Johns Hopkins Hospital
Physicians qualify for 0% down
University of Maryland Medical Center
Physicians qualify for 0% down
Mercy Medical Center
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 Baltimore?
Get pre-approved in minutes. No credit pull required. Nate responds same day.