Florida Home Loans · Doctors

Home Loans for Doctors in Florida

Doctors can buy with little or no money down and have their student loans treated gently — the physician loan exists precisely because residents and new attendings look risky on paper but are not.

100%

Financing

PMI

Contract

Counts as Income

Call Now

Get Pre-Approved in Doctors

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Doctors · Florida

Home Loans for Doctors From a Florida Mortgage Broker

A doctor finishing training often has a big future income, a signed contract, and a mountain of student debt. A standard lender sees the debt and the thin earnings history and balks. A physician loan flips that: up to 100% financing, no PMI, student loans excluded or counted lightly, and a future start date that can close before the first paycheck lands. We place doctors with the lenders that write these well.

The hurdle is usually the same one: High student-loan balances and a late start to earning can scare off a standard bank, even when the income is strong. As a broker rather than a single bank, we focus on physician and professional loan programs and shop the file to the lenders that write it well.

Programs That Fit Doctors

✓Physician / professional loan. Up to 100% financing with no PMI, and student loans are treated gently or excluded from the ratio.

✓Jumbo loan. For purchases above the conforming limit, with competitive pricing for strong credit and reserves.

✓Conventional loan. A clean fallback once you have a down payment saved, with PMI that cancels at 20% equity.

✓Bank statement loan. Useful if part of your income is 1099 or practice distributions rather than a W2 salary.

Want the detail? See the best loan programs for doctors or walk through how to qualify step by step.

What to Bring

✓Employment contract or offer letter

✓Recent pay stubs or distributions

✓Student-loan statements

✓Two months of bank statements

✓Photo ID

How It Works

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for doctors

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Doctors Home Loan Questions

Can a doctor get a mortgage with high student loans?

Yes. Physician loan programs either exclude student loans from your debt-to-income ratio or use a reduced payment, so a six-figure balance does not block approval. This is the single biggest reason doctors use a physician loan instead of a conventional one.

Can I buy before I start my new physician job?

Usually yes. Many physician programs let a signed employment contract stand in for pay stubs and allow closing up to 60–90 days before your start date. We line the closing up with your move so you are not paying for two places.

Keep Going

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Home Loans for Doctors?

A licensed Florida mortgage broker who shops the loan for you — 5-minute pre-approval, honest rates.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.