How Physician Mortgage Loans Work

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Physician mortgage loans are a specific loan that many young doctors and physicians are not aware they are eligible for. To learn more about how these loans work and if you qualify, please read on!

Who Can Get a Physician Loan Mortgage?

Anyone who is a medical resident or a licensed medical doctor is eligible for a physician loan mortgage. Some of the types of doctors or physicians that qualify are as follows:

  • Dentists
  • Ophthalmologists
  • Osteopathic Physicians

The reason a lot of banks are willing to give a physician loan mortgage to doctors or physicians are because of their future or current earning power. As long as your credit score is decent, you will most likely qualify for a physician mortgage loan.

What You Will Need to Apply For a Physician Loan Mortgage

The documents you need when applying for a physician loan mortgage will depend on the bank but some of the typical documents are:

  • Social Security Number
  • Government-issued photo ID
  • W2’s from your employer
  • Documentation of Personal Tax Returns
  • Proof of Employment
  • Documents of Past Payments (utility bills, phone bills, car insurance, etc.)


For more information on obtaining the best physician loan mortgage for you and your family, please trust in the experts at Physician Mortgage Specialists. To learn more about how our high quality services can help you, please give us a call today at (800) 619-2174.