Physician Mortgage FAQ
Quick answers to common physician mortgage questions for doctors and medical professionals comparing options before applying. Built for physicians comparing options while relocating for residency, fellowship, or a new attending role.
How PMN scenario reviews work
A PMN scenario review is designed to be a low-pressure first step. The borrower shares basic role, state, contract, and contact details so one licensed specialist can review whether available options may fit.
Why role and state matter
Physician mortgage programs vary by eligible role and state availability. A program that works for an attending physician may not work for a non-physician medical professional, and lender availability can vary by state.
What PMN is not
PMN is not a lender, does not take loan applications, and does not make credit decisions. The mortgage side is handled by licensed loan originators or lenders.
Frequently asked questions
Will a PMN scenario review cause a hard credit pull?
No. Submitting the PMN scenario review form itself is not a loan application and does not cause a hard credit pull.
Will my information be sent to multiple lenders?
PMN is designed around connecting a scenario with one specialist, not blasting information to many lenders.
Can doctors get no-PMI mortgage options?
Some physician mortgage programs may offer no-PMI structures, but availability depends on lender, loan amount, role, down payment, credit profile, and state.
Can dentists, pharmacists, PA/NPs, or other medical professionals qualify?
Some programs include non-MD/DO medical professionals, while others are narrower. Eligibility should be confirmed with a licensed specialist.
Request a quick, text-first review from one licensed specialist. No hard pull and no obligation.
Review my scenarioPhysician Mortgage Navigator is not a mortgage lender and does not make credit decisions. Eligibility, terms, down payment, rate, and documentation requirements vary by lender, role, credit profile, state, and timing.