A mortgage built for doctors — $0 down, no PMI.
Your student loans and short work history shouldn't stand between you and your home. Qualify using your signed employment contract — even before day one.
Up to 100% financing
Finance up to $1M+ with little to no down payment — keep your savings for what matters.
No PMI, ever
Skip private mortgage insurance entirely, even with a low down payment — meaningful monthly savings.
Contract instead of pay stubs
Just started, or starting soon? Qualify with a signed employment contract — no 2-year history required.
“Closed on our home 45 days before my start date using my contract — and skipped PMI entirely. Couldn’t believe how smooth it was.”
Check Your Eligibility
No impact to your credit score to start.
Licensing varies by state.
🔒 Encrypted with SSL/TLS · Soft inquiry — no credit score impact to see your options.
What is a physician (medical professional) loan?
A physician loan helps doctors, dentists, and other medical professionals buy a home with little or no down payment and no PMI — often using a signed employment contract instead of pay stubs. Student loans are counted favorably. Pacific Lending offers medical-professional loans for purchase and refinance.
Built for medical professionals
Real advantages tailored to your situation.
Up to 100% financing
Finance up to $1M+ with little to no down payment — keep your savings for what matters.
No PMI, ever
Skip private mortgage insurance entirely, even with a low down payment — meaningful monthly savings.
Contract instead of pay stubs
Just started, or starting soon? Qualify with a signed employment contract — no 2-year history required.
Student debt handled right
We use IDR / deferred-friendly calculations so your student loans don’t tank your approval.
How it works
Three simple steps from question to keys.
- 1
Answer a few questions
Tell us your specialty and whether you’re buying or refinancing. Takes about a minute.
- 2
Verify & talk to a specialist
Confirm your number and a physician-loan specialist reviews your scenario — no hard credit pull to start.
- 3
Get your custom options
Receive tailored loan options and a clear path to closing, built around your start date and student debt.
Frequently asked questions
Can I qualify before I start my job?
Often yes. Many physician loan programs allow you to close up to 60–90 days before your start date using a signed employment contract, so you can move in before day one. Exact timing depends on the program and your file.
How are my student loans counted?
Physician loan programs typically use income-driven repayment (IDR) amounts or favorable calculations for deferred loans rather than a standard percentage of the balance — which can dramatically improve what you qualify for.
Do I really pay no PMI with little down?
Correct — a core benefit of the doctor loan is no private mortgage insurance even with a low or $0 down payment, unlike conventional loans that usually require PMI under 20% down.
Which specialties are eligible?
Programs commonly include MD, DO, DDS/DMD (dentists), and residents/fellows; some include other advanced medical professionals. Tell us your specialty and we’ll confirm your options.
Is this available for refinancing too?
Yes. Whether you’re purchasing your first home or refinancing an existing mortgage, we can review physician-specific options for your situation.