Starting a New Medical Role?
Physician Mortgage Options for Relocating Doctors
Built for relocating physicians. Qualify with your signed contract — often no pay stubs, no PMI, and flexible DTI. Close on your timeline, even with student loans.
- Contract‑based approvals
- No‑PMI options
- Flexible DTI
- Options in ~24 hours
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We’ll review and send options within ~24 hours based on your contract and start date. Watch your inbox—replying helps us price faster.
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Why Physicians Use Us
Move In Before Your First Paycheck
Contract‑only approvals available with timelines around orientation dates.
Student‑Debt Friendly
Programs that account for IDR payments and med‑school debt in DTI.
No‑PMI Options
Access to physician‑specific low/no‑down structures without PMI (where available).
Direct, Human Support
Matched with a specialist in your state. No call centers.
How It Works
60‑second check — role, contract & timeline.
Options in ~24 hours — we match you to a physician‑loan specialist for your state.
Close before orientation — aligned docs & timeline so you can focus on patients.
Top Questions Physicians Ask
Can I qualify with a signed employment contract (no pay stubs)?
Often yes. Many physician programs allow contract‑based approvals with a start date within the next few months. Terms vary by state and lender.
How much down — and do I have to pay PMI?
Physician programs may offer low or no‑down options with no PMI. Availability depends on lender and state.
How are student loans treated for DTI?
Some programs use IDR payments or a reduced percentage of balance for DTI. Your matched specialist will explain options.
Can I close before orientation while I’m out of state?
Remote and expedited closings are common for physician relocations. Timelines are coordinated around your start date.
Fixed or ARM for a relocation?
Depends on horizon and rates. Your specialist will price both and align to your plan.
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