Florida Doctor Mortgage — Medical Professional Programs

Physician Mortgage Loan Florida

Specialized home loans for Florida doctors, dentists, residents, and high-earning medical professionals. No PMI, flexible DTI, and student loan solutions.

0% or 5%
Down Payment Options
No PMI
Ever
High DTI
Flexibility
Get Pre-Approved📞 (561) 300-0380
By Onias Derilus, NMLS# 1859012 · Licensed FL Mortgage Broker · Last Updated: May 2026
Doctor Mortgage Loans Florida

Home Loans Built for Florida Physicians

Florida physician mortgage loans are specialized programs that recognize the unique financial profile of medical professionals — high earning potential, significant student loan debt, and often limited cash reserves during residency or fellowship.

Furthermore, unlike conventional mortgages, physician loan programs exclude or reduce student loan debt from DTI calculations, allow 0–10% down with no PMI, and accept signed employment contracts rather than requiring 2 years of income history. As a result, residents and fellows can qualify before their first paycheck.

Additionally, with Florida's strong medical communities in Miami, Boca Raton, Palm Beach Gardens, and Fort Lauderdale, physician loans are in high demand from medical professionals relocating to South Florida.

✓MDs, DOs, Dentists (DMD/DDS), Podiatrists
✓Residents and Fellows — qualify on employment contract
✓No PMI with 0–10% down
✓Student loan debt excluded from DTI calculations
✓Loan amounts up to $2M for Florida luxury market
✓Works with new construction, condos, and SFR
Physician Loan vs. Conventional — Florida Example
Attending MD, $450K purchase, $300K student loans, 10% down
Physician LoanConventional 10% Down
PMINone~$250/mo
Student Loan DTIExcludedIncluded (full payment)
DTI Qualify?Yes — 45–50% OKLikely No
Down Payment$45,000$45,000
Monthly Savings~$250Baseline
Example only. Actual terms vary by lender and borrower profile.
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Florida Physician Mortgage — Apply Today

No PMI · Student debt solutions · Residents & fellows welcome · NMLS# 1859012

📞 (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.