Physician Mortgage Loans Up to $2M — No PMI Required
Flexible underwriting designed for physicians. Low down payments, competitive rates, and no private mortgage insurance on loans up to $2 million.
Why Physician Mortgages Are Different
Standard mortgages don't account for physician career paths. Physician loans are designed for your unique financial situation.
No PMI Required
Save hundreds per month. Physician mortgages waive private mortgage insurance even with low down payments, recognizing your earning potential.
Flexible Underwriting
Qualify based on future income. Lenders understand residency and training—they use employment contracts and specialty averages to approve loans.
Low Down Payments
Purchase with 0-10% down while building your practice. Perfect for physicians relocating for new positions or buying before training ends.
Standard mortgages penalize physicians for high student debt and low early-career income. Physician mortgages recognize your career trajectory.
Compare rates from multiple physician-specific lenders in one place.
How LeverageRx Physician Mortgages Work
Expert brokers compare multiple physician-specific lenders to find your best rate and terms.
Quick Application
Share your specialty, location, and home price. Takes 5 minutes—no credit check required for initial quote.
Compare Multiple Lenders
Get quotes from top physician mortgage lenders. See rates, terms, and down payment options side-by-side.
Expert Guidance
Licensed mortgage specialists help optimize your loan structure. They work for you, not one lender.
Real Physician Mortgage Examples
See how physician mortgages work for doctors at different career stages
Physician mortgages unlock homeownership earlier in your career while saving thousands in PMI and fees.
Physician Mortgage Benefits
Features designed specifically for physician borrowers
No PMI on loans up to $2M — Save $300-800/month vs standard mortgages
Flexible debt-to-income ratios — High student debt doesn't disqualify you
Low down payment options — 0-10% down depending on lender and loan size
Employment contract acceptance — Qualify with signed contracts before starting
Resident-friendly programs — Special programs for residents and fellows
Competitive interest rates — Rates comparable to conventional mortgages
Stop Paying PMI Unnecessarily
Physician mortgages recognize your earning potential and career stability.
Get competitive rates without the PMI penalty that standard mortgages impose.
Compare rates from multiple physician-specific lenders in minutes.
Find Your Best Physician Mortgage Rate
LeverageRx compares multiple physician-specific lenders to find your best rate and terms. No obligation, no credit check required for quotes.
Compare Physician Mortgage Rates NowCommon Questions
What makes a physician mortgage different from a standard mortgage?
Physician mortgages waive PMI, accept future income from employment contracts, use flexible debt-to-income ratios, and offer low down payment options. They're designed for physicians with high student debt and early-career income challenges.
Do I need to be an attending physician to qualify?
No. Many programs accept residents and fellows, especially those with signed employment contracts. Some lenders offer 0% down programs for residents and fellows in specific programs.
How much can I borrow with a physician mortgage?
Loan limits vary by lender, typically ranging from $750K to $2M+. Some lenders offer jumbo physician mortgages up to $2.5M or higher. PMI waivers apply to loans up to $2M with most programs.
What down payment is required?
Down payments range from 0% to 10% depending on the lender, loan amount, and your situation. Residents and fellows often qualify for lower down payments than attendings.
Will my student loan debt affect my qualification?
Physician mortgages use more flexible debt-to-income calculations. Many lenders calculate student loan payments differently or exclude them entirely if in deferment, recognizing your future earning potential.
Why use LeverageRx instead of going directly to a lender?
LeverageRx compares multiple physician-specific lenders to find your best rate and terms. They work for YOU, not one lender, and can match you with programs from banks, credit unions, and specialty mortgage companies nationwide.