Physician Lending in Cincinnati, OH — 0% Down, No PMI
Physician lending gives doctors, dentists, and healthcare providers in Cincinnati access to 0% down home loans with no PMI and student debt excluded.
Nate Jones · NMLS #304056 · New American Funding
Physician Lending in Cincinnati
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. Cincinnati is one of the strongest healthcare markets in Ohio, anchored by Cincinnati Children's Hospital and 2 other major hospital systems — and physician lending programs are designed for professionals working here.
Nate Jones has helped physicians at Cincinnati Children's Hospital and UC Medical Center close on homes in neighborhoods like Over-the-Rhine, Hyde Park, Mount Adams, and throughout the greater Cincinnatimetro. Whether you're a resident just starting out or an attending looking to upgrade, physician lending is built for your situation.
From the Fountain Square corridor to Clifton, Cincinnati offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Nate knows the Cincinnati market and works directly with you from pre-approval to closing.
Hospital Systems in Cincinnati
Cincinnati Children's Hospital
Physicians qualify for 0% down
UC Medical Center
Physicians qualify for 0% down
Christ Hospital
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 Cincinnati?
Get pre-approved in minutes. No credit pull required. Nate responds same day.