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
No hard pull. You’ll be matched to a physician‑loan specialist for your state.
Why Physicians Use Us
Contract‑only approvals available with timelines around orientation dates.
Programs that account for IDR payments and med‑school debt in DTI.
Access to physician‑specific low/no‑down structures without PMI (where available).
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.
Prefer to Talk First?
Physician Mortgage Navigator is not a lender. Availability, terms, eligibility, and down‑payment options vary by state and borrower profile.