Home Loans for Medical Professionals
Straightforward mortgage financing built around how doctors, dentists, and other medical professionals actually get paid, from your first house after residency to the practice you’ve spent years building.
Your Income Doesn’t Look Like a W-2. Your Mortgage Shouldn’t Be Underwritten Like One.
New attendings, residents, and dentists fresh out of school often have income on paper that hasn’t caught up to their real earning power yet. Practice owners have the opposite problem: real income that looks smaller on paper because of legitimate write-offs. Standard mortgage underwriting flattens both situations. We work with MDs, DOs, dentists, and other medical professionals to find the program that actually fits.
Physician & Dentist Loans
Built for MDs, DOs, dentists (DDS/DMD), and other medical professionals whose earning power is ahead of their paperwork.
0% down payment available for qualifying medical and dental professionals, with no PMI required even at little or nothing down.
A signed employment or training contract can count as income, even before your first paycheck arrives.
Student loan payments in deferment or income-driven repayment often carry less weight against you than on a standard loan.
Residents and fellows are welcome to apply, not just attendings and established practice owners.
Bank Statement Loans For Practice Owners
Solo practitioners, partners, and practice owners write off equipment, staff, and overhead, and rightly so. The problem is that a standard mortgage looks at your taxable income after all of those deductions. A bank statement loan qualifies you using 12–24 months of bank deposits instead of tax returns, so keeping your taxable income low doesn’t quietly shrink your buying power.
Why Bank Statement Loans Work for Practice Owners
Qualify using bank deposits instead of tax returns, so legitimate write-offs don’t work against your approval.
Works for solo practitioners, partners, and practices structured as an LLC or S-corp.
Twelve to twenty-four months of statements typically required, depending on the program.
See our full Self-Employed Home Loans page for more detail on how these loans work.
Frequently Asked Questions
Do I qualify for a physician loan if I’m still a resident or fellow?
Many physician loan programs accept residents and fellows, not just attendings, using a signed employment or training contract to document income. Terms vary by lender, so the specifics of your contract and start date matter.
Do dentists qualify for physician loan programs?
Yes. Dentists with a DDS or DMD are typically eligible for the same physician and dentist loan programs available to MDs and DOs, along with other qualifying medical professionals.
I write off a lot of expenses on my taxes. Will that hurt my approval?
On a standard mortgage, it can, since underwriters look at your taxable income after deductions. A bank statement loan looks at deposits into your business or personal accounts instead, so legitimate write-offs don’t shrink the income you qualify with.
What is a bank statement loan?
A bank statement loan is a type of self-employed mortgage that qualifies you using 12 to 24 months of bank statements instead of tax returns, built for practice owners whose tax returns don’t reflect their real cash flow.
How much down payment do I actually need?
Physician and dentist loans can go as low as 0% down for qualifying borrowers. Bank statement loans typically require a larger down payment than a standard conventional loan. Your exact number depends on credit, loan amount, and the specific program you land in.
Can I use a signed job offer before I start working?
In many cases, yes. A signed offer letter or employment contract with a start date within a defined window can be used to document future income, one of the core features that sets physician loans apart from standard mortgages.
0% down home loans for physicians, dentists & residents, plus bank statement loans for practice owners. See if you qualify for medical professional financing.