Can You Qualify for a Physician Loan With Just a Signed Contract?
➤ Most relocating doctors can — even before orientation.
Most relocating doctors can close before orientation — even without pay stubs or PMI. Get matched to a physician-loan specialist based on your contract, timeline, and role.
Contract‑based approvals
No‑PMI options
Flexible DTI
Options in ~24 hours
Quick 60‑Second match process
No hard pull. You’ll be matched to a physician‑loan specialist for your state.
“I closed on my home 3 weeks before starting residency — no PMI, no pay stubs, just my contract. Zero stress.”
— Dr. A. Thompson, Resident (NY)
“I was worried about qualifying while still in residency, but it wasn’t a problem at all.”
— Dr. M. Patel, Fellow (CA)
✅ Thanks — we’ve got your info.
We’ll review and send options within ~24 hours based on your contract and start date. Watch your inbox—replying helps us price faster.
Physician mortgages are built for medical professionals who are starting new roles. Many programs:
Allow contract‑only approvals (no pay stubs)
Permit higher DTI and consider IDR plans
Offer 0% down with no PMI on select products
Support residents, fellows, and attendings
What’s the difference between a physician loan and a normal mortgage?
Physician loans are built for medical professionals, often allowing contract‑only approvals, higher DTI, no PMI on select products, and tailored underwriting.
Can I qualify while still in residency?
Many programs accept a signed employment contract for residents/fellows — no pay stubs required.
Does student loan debt hurt my chances?
Most physician lenders account for IDR plans when calculating DTI, which can improve eligibility compared to standard loans.
We connect relocating medical professionals with physician‑loan specialists. We’ll route your information privately to a single verified lender based on your state and timeline.
Physician Mortgage Navigator is not a lender. Availability, terms, eligibility, and down‑payment options vary by state and borrower profile.
Equal Housing Lender (partners)
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