Specialty Program
PHYSICIAN
LOANS
Specialized mortgage programs for doctors and medical professionals. Low down payments, no PMI, and student loan flexibility designed for healthcare careers.
Specialized mortgage programs for doctors and medical professionals. Low down payments, no PMI, and student loan flexibility designed for healthcare careers.
Physician loans recognize that doctors have unique financial situations—high student debt, delayed high earnings, and strong future income potential. These loans are designed specifically for medical professionals.
Purchase a home with no money down—up to $1 million or more in many cases. Perfect for new physicians who haven't had time to save.
Even with 0% down, no PMI is required. This can save you hundreds of dollars per month compared to conventional financing.
Student loans in deferment or on income-driven repayment plans are treated favorably. Your debt-to-income ratio won't be penalized like other loans.
Close on a home before starting your new job. A signed employment contract is often sufficient for qualification.
Many physician loan programs offer limits up to $2 million or more, allowing you to purchase in Colorado's premium markets.
Despite the favorable terms, physician loan rates are often competitive with conventional mortgages.
Physician loans are available to a variety of medical professionals, not just MDs. Eligibility varies by lender.
All physician specialties qualify, from family medicine to surgery. Residents and fellows are often eligible.
DOs have the same eligibility as MDs for physician loan programs.
Many physician loan programs extend to dental professionals with similar terms.
Some programs include podiatrists, optometrists, veterinarians, pharmacists, and nurse practitioners. Eligibility varies by lender.
Many programs accept residents and fellows with an employment contract showing future attending salary.
Physician loans recognize your earning potential and unique financial situation. Buy your Colorado dream home even with student loan debt.
Just finishing residency and starting your first attending position with high student loans.
Moving to Colorado for a new position and need to buy before starting work.
In training but want to stop renting and start building equity.
High earners who haven't had time to save a traditional down payment.
Not a medical professional? Explore other loan options.
Traditional financing with competitive rates, flexible terms, and no mortgage insurance with 20% down.
Low down payment options with flexible credit requirements, ideal for first-time buyers.
Zero down payment financing exclusively for eligible veterans, active military, and qualified spouses.
Financing for luxury homes exceeding $766,550 conforming loan limits.
Explore unique financing solutions designed for specific situations and borrower needs.
Buy your next home before selling your current property with flexible short-term financing solutions.
Purchase your home today at current prices and refinance when rates drop in the future.
Build your dream home with one-time close construction-to-permanent financing solutions.
Finance both purchase and renovations with FHA 203k and Conventional HomeStyle programs.
Financing options for warrantable and non-warrantable condominiums in Colorado communities.
Alternative financing for self-employed borrowers using bank statements or asset-based qualification.
Investment property financing based on rental income without personal income verification.
Reduce your initial mortgage payments with 2-1 and 1-0 buydown programs for easier affordability.