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Home Financing for Medical Professionals

Benefits of a Doctor Loan

Doctor Loan programs are designed to help eligible healthcare professionals overcome common homebuying challenges and achieve homeownership sooner.

  • Buy with little to no down payment with financing options up to 100% for qualified borrowers.
  • Finance higher-priced homes with loan amounts available up to $2 million.
  • Avoid monthly PMI costs, helping keep your housing payment more affordable.
  • Student loan-friendly qualification options that may provide greater flexibility than traditional mortgage programs.
  • Use a signed employment contract to qualify, even before starting your new position, subject to program guidelines.
  • Designed for medical professionals at every stage of their careers, from residency and fellowship through established practice.
  • Preserve your savings for moving expenses, emergencies, investments, or other financial goals.

Eligible Medical Professionals

Doctor Loan programs may be available to qualified:

  • Medical Doctors (MD)
  • Doctors of Osteopathic Medicine (DO)
  • Dentists (DDS, DMD)
  • Pharmacists (PharmD)
  • Veterinarians (DVM, VMD)
  • Physician Assistants (PA)
  • Certified Registered Nurse Anesthetists (CRNA)
  • Medical Residents
  • Fellows
  • Interns in approved programs

What Is a Doctor Loan?

A Doctor Loan is a specialized mortgage program designed to help eligible healthcare professionals buy a home sooner and with greater financial flexibility.

Unlike traditional mortgage options, Doctor Loan programs are built around the unique financial realities of medical careers. Whether you're completing residency, starting a new position, managing significant student loan debt, or transitioning into practice, these programs may offer financing solutions designed with your career path in mind.

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Meet Tom Payne

Tom Payne is a seasoned residential mortgage professional with more than 40 years of experience helping clients navigate the home financing process with clarity and confidence. Specializing in mortgage solutions for medical professionals, Tom understands the unique financial profiles of doctors and healthcare providers—including student debt, contract-based income, and accelerated earning trajectories.

Based in Las Vegas, he combines deep industry knowledge with a consultative approach to deliver tailored loan strategies that align with each client’s long-term goals. His experience and professionalism ensure a smooth, efficient lending process from application through closing.

Talk to Tom