Edwin Arocho NMLS #276578
A clinician in blue scrubs stands in a hospital hallway.

Doctor Loans

High-LTV loans for eligible medical professionals who are buying a home, including people early in their career.

Built Around a Medical Career, Not Around a Title

Doctor loans are for eligible physicians and, on some programs, other medical professionals. The usual reason people ask is timing. Training is long, student loans are large, and the savings for a down payment may still be small when the job starts.

The programs are written so a qualified buyer can finance a high share of the price. This page does not state that share. It depends on the program, the home, and the rest of the file. Being in medicine does not approve the loan.

Some programs treat student loans differently while you are in residency or fellowship. That treatment is a program rule. It does not erase the debt, and it does not apply to every medical role. Bring the loan statements and the employment contract, or the offer letter, so the review uses the right records.

The home is one you will live in. A rental is a different product. If you already have a down payment saved, compare this program with a conventional loan. The simpler file is often the better one.

A couple standing in front of a gray two-story house.
A home you will live in
A family of four standing on a lawn, looking at a white house.

In Everyday Language

Doctor loans are for eligible medical professionals. They are designed so a buyer can finance a high share of the home's price, which lenders call a high LTV. The exact share is not listed here, because it depends on the program and the file. Being a doctor does not approve the loan. Income, credit, the home, and the kind of medical work you do are all part of the review. People finishing training are often the ones who ask about this program.

Built Around a Medical Career

Doctor loans are for eligible medical professionals, including people early in a career. Being in medicine does not approve the loan. These photos are homes and workplaces, not listings, and they are not an offer.

A woman working at a desk with two monitors beside a window.
Records of the work
The gable of a blue house with white trim and an arched window.
The house

What the Review Still Includes

The program can finance a high share of the price. This page does not state that share. Income, debts, and the home are still reviewed.

Swipe sideways to see each part.

  • A man in a white shirt explaining something to two people seated across from him.

    An Eligible Profession

    Physicians are the usual group. Some programs include other medical roles. Ask before you assume the title is enough.

  • A family carrying boxes through an open front door.

    Less Cash Down

    The program is built so a qualified buyer can finance a high share of the price. The exact share is part of the review.

  • A woman at a white desk, working at a computer with a notebook in front of her.

    Income or a Contract

    A job offer, a contract, or recent earnings may be the record the program wants. Training does not skip that step.

  • Three people reviewing papers and a notebook around a low table.

    Student Loans

    Those payments are part of the debt-to-income look. A program rule during residency does not erase the debt.

  • A family of four standing on the front walk of a gray two-story house.

    A Home You Will Live In

    The home is one you will live in. A rental is a different product. If you already have a down payment, compare this with a conventional loan.

A couple and a small child sitting on the lawn in front of a brick house.

Who It Is Great For

  • Eligible physicians and other medical professionals named by the program
  • Buyers who have strong future income and less cash saved for a down payment
White apartment buildings with balconies, facing a green lawn under a cloudy sky.

Who It May Not Fit

  • Professions the program does not include
  • A rental or a home you will not live in

Key Requirements

  1. A family of three looking at a laptop together on a brown sofa.

    01

    Credit

    A credit history a lender can review.

  2. A family and a white dog sitting on the front steps of a gray house.

    02

    Down Payment

    Less cash down than many jumbo or conventional files, because the program is built for a high LTV. The exact share is confirmed in the review, not on this page.

  3. A family on a sofa with a dog lying on the rug in front of them.

    03

    Debt-to-Income

    Debts that fit the income you can document. Student loans are part of that conversation.

These notes describe topics a lender often reviews. They are not minimums or a promise of approval. No LTV percentage is stated here.

A living room with a fireplace, built-in shelves, and a view into the kitchen.
A family of four standing at a white picket gate in front of a cream house.

What to Remember

  • For eligible physicians and some other medical professionals
  • Built around a higher loan-to-value than many standard loans
  • This page does not state an LTV cap
A family jumping on the lawn in front of a white house.

Pros

  • Can reduce the cash a medical professional needs up front
  • Written for careers where income starts after training
An aerial view of a tree-lined neighborhood of single-family houses.

Cons

  • Only eligible professions qualify
  • Student loans and job offers still have to be documented

How It Usually Goes

  1. 1

    Two people talking in chairs by a window, one taking notes.

    Confirm the Profession Is Eligible

    Physicians are the usual group. Some programs include other medical roles. Ask before you assume.

  2. 2

    Three people at a table, reviewing papers and holding pens.

    Document Income or a Contract

    A job offer, a contract, or recent earnings may be the record the program wants.

  3. 3

    A man in a light blue jacket seated at a conference table, with coworkers talking behind him.

    List Student Loans and Other Debts

    Those payments are part of the debt-to-income look.

  4. 4

    A shingle house with a stone walk, white columns, and an orange front door.

    Compare With a Conventional Loan

    If you already have a down payment, a standard loan may be simpler.

Two people talking in chairs by a window, one taking notes.

1 of 4. Confirm the Profession Is Eligible

Five coworkers reviewing papers around a conference table.

Questions People Ask

How High Is the LTV?

This page does not state a number. High LTV means the loan can cover a large share of the price. The share is part of the review.

I Am Still in Residency. Can I Ask?

Yes. Many of these programs exist for people early in a medical career. Eligibility still depends on the program and the file.

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