Physician Mortgage Lenders

Physician mortgage loans are being offered by more and more banks. Whether it is a good option for you really depends. I discuss my experience using a doctor mortgage in this post. The three main features you will see with most physician loans are:

  1. No PMI despite a down payment of only 0-10%.
  2. Special treatment for the student loans (usually that they only take required payments into consideration).
  3. Will close before you start working by accepting a contract, instead of paystubs, as evidence of future earnings.

Are you interested in a physician mortgage loan? The individuals listed below offer physician mortgage loans for these lenders and are paid advertisers on the blog. We appreciate hearing feedback on these advertisers, both good and bad.

Thank you for supporting those who support this site and our charitable mission. Some of these lenders also offer loans for other high income professionals such as dentists, veterinarians, attorneys, podiatrists, optometrists, accountants, and others. (Lenders- if you would like your name and contact info listed here, contact us for a quote.)

Select Your State

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

AK | AL | AR | AZ | CA | CO | CT | DE | DC | FL | GA | HI | IA | ID | IL | IN | KS | KY | LA | MA | MD | ME | MI | MN | MO | MS | MT | NC | ND | NE | NH | NJ | NM | NV | NY | OH | OK | OR | PA | RI | SC | SD | TN | TX | UT | VA | VT | WA | WI | WV | WY

 

Cadence Bank:

AL, FL, GA, MS, NC, SC, TN, TX
Contact: Charles Felgner (NMLS #659182) at 205-835-6679 or charles.felgner@cadencebank.com

 

Consumers Credit Union:

IN, MI
Contact: Greg Wierenga (NMLS #1636813) at 616-446-2567 or  greg.wierenga@consumerscu.org

 

First Federal Lakewood:

FL, IL, IN, KY, MD, MI, NC, OH, PA, SC, TN, VA, WV
Contact: Brent Bartlett (NMLS #913802) at 216-239-5845 or bbartlett@ffl.net

 

Frandsen Bank & Trust:

MN, WI
Contact: Brandon Reinarts (NMLS #769600) at 507-353-7427 or breinarts@frandsenbank.com

 

Fifth Third Bank:

FL, IL, IN, KY, GA, MI, NC, OH, SC, TN, WV
Contact: Tony Lupescu (NMLS #224410 ) 708-351-6416 or Tony.Lupescu@53.com 

 

First Citizens Bank:

FL, GA, MD, NC, SC, TN, VA, WI, WV
Contact: Valerie Leonard (NMLS 415176) at 864-630-0921 or Valerie.Leonard@firstcitizens.com

 

First National Bank of Pennsylvania:

GA, MD, NC, OH, PA, SC, TN, VA, WV
Contact Ken Roos (NMLS# 436834) at 412-951-6793 or RoosK@fnb-corp.com

 

Golden 1 Credit Union:

CA
Contact: David Mikkelson (NMLS #2436928) at 858-294-7989 or dmikkelson@golden1.com

 

Huntington Bank:

AR, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MO, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VT, VA, WA, WV, WI, WY
Contact: Todd L Johnson (NMLS#224389) at 630-697-7148 or 877-307-8051 (Fax) or

 

Iberia Bank/First Horizon:

AL, AR, CT, FL, GA, LA, MS, NC, NJ, NY, SC, TN, TX, VA
Contact: Tony Umholtz  (NMLS #377409) at 813-603-4255 or tony.umholtz@firsthorizon.com

 

Laurel Road:

States: All 50 States and Washington, DC
Contact: Tom Boudreau (NMLS #600021) at 877-801-4686 or mortgage@laurelroad.com or visit Laurel Road

 

Liberty Federal Credit Union:

States: AL, AZ, CA, FL, GA, IN, KY, MS, NC, OH, PA, TN, TX, VA
Contact: John Feige (NMLS #453634) at 502-767-7867 or jfeige@libertyfcu.org

 

TD Bank:

FL, NC, PA
Contact: Babita Vashist (NMLS #203282) at 703-283-7251 or Babita.Vashist@td.com

 

Truist:

CA, CT, FL, GA, MA, MD, NC, PA, SC, TN, TX, VA
Contact: Chris Minear (NMLS #273313) at 330–790–1511 or Chris.Minear@Truist.com 

 

UFCU Mortgage Services:

TX
Contact: John Varner (NMLS# 1615725) at 512-828-2988 or JVarner@ufcu.org

 

U.S. Bank**:

Contact for approved states (email preferred)
Contact: Jonathan Brozek (NMLS #850168) at 916-788-7982 or Jonathan.Brozek@usbank.com

 

Bok Financial

AR, CO, KS, MO, OK, TX
Contact: Bo Brown (NMLS #499414) at 816-309-5571 or Bo.Brown@BOKF.com

 

BankMD:

TX
Contact: Moses Luevano (NMLS #1426259) at (855)4BankMD (422-6563) or mdl@bankmd.com

 

BMO Bank:

All States except NY
Contact: Marc Evans (NMLS #362579) at 920-831-7721 or Marc.Evans@bmo.com

 

^ NMLS # 399797
**Equal Housing Lender. Member FDIC.
*All loans are provided by KeyBank National Association, Member FDIC and Equal Housing Lender. (NMLS #399797)
 

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