Physician Mortgage Explained in 60 Seconds
0% down, no PMI, student debt excluded from DTI — the physician mortgage, in plain English.
Nate Jones · NMLS #304056 · New American Funding
What People Ask
What is a physician mortgage?
A physician mortgage is a specialized home loan for doctors, dentists, and medical professionals offering 0% down, no PMI, and student debt excluded from DTI calculations.
Do residents qualify for physician mortgages?
Yes. Most physician mortgage programs accept residents and fellows with a signed employment contract as proof of future attending income.
How is student debt handled?
Physician mortgage programs exclude student loan debt from your debt-to-income ratio or use the actual income-based repayment amount, allowing you to qualify for a much larger loan.
See What You Qualify For
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