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.)

Physician Mortgage Lenders

First Citizens Bank:

FL, GA, MD, NC, SC, TN, VA, WV,
Contact: Valerie Leonard (NMLS 415176) at 864-630-0921 or [email protected]

First Federal Lakewood:

OH, MI, KY, WV, IN, FL
Contact: Eric Veronica (NMLS# 83197) at 419- 318-8985 or [email protected]

First United Bank:

OK, TX
Contact: Brian Pratt (NMLS #310252) at (512) 632-1731 or [email protected]

Fulton Mortgage Company:

MD, DC, VA, PA, DE, NJ
Contact Jim Webster (NMLS # 658933) at 240-620-1414 or [email protected]

Horizon Bank:

MI, IN, and IL,  (call for specific counties served)
Contact Barbara Reamer (NMLS #783173) at 517-816-4124 or [email protected]

Huntington Bank:

OH, IL, IN, MI, WI, WV, KY, & PA.
Contact Sandi Jameson-Frith (NMLS#564023) at 586-749-8355 or [email protected]

Loan Depot: 

AZ, CA, CO, FL, HI, IL, KS, MA, MI, MO, NV, NJ, NC, OH, OK, OR, PA, TX, VA, and WA
Contact: David Henderson (NMLS#1183120) at 916-549-9916 or [email protected]

Regions Bank:

AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, OH, NC, SC, TN, and TX

Contact: Lance Johnson  (NMLS #93035) at 704-770-3644 Office or 704-975-3033 Cell or [email protected]

Suntrust:

AL, AR, CA, DC, DE, FL, GA, MD, MS, NC, OH, PA, SC, TN, WV, VA,
Contact: David Hager (NMLS #595259) at 904-208-1349 or [email protected]

Synovus:

AL, FL, GA, MS, NC, TN, SC
Contact: Paul Rainer (NMLS #116670) at 706-410-6434 or [email protected]

TD Bank:

CT, DC, DE, FL, MA, MD, ME, NH, NJ, NY, NC, PA, RI, SC, VA, VT
Contact: David Edmondson (NMLS #1045001) at 781-303-9588 or [email protected]

UMB:

AZ, CO, IL, KS, MO, NE, OK, TX
Contact: Doug Crouse (NMLS #363861) at 816-728-3631 or [email protected]

**U.S. BANK:

All 50 states
Contact: Hunter Finley (NMLS #950092) at 916-302-6408 or [email protected]

Washington Trust:

CT, MA, RI, and NH.
Contact David Fay (NMLS #513224) at 617-429-2059 or [email protected]

*Arvest Bank:

AR, KS, MO, OK
Contact: Jim Secrest (NMLS #1104170) at 913-634-2323 or [email protected]

BankMD:

TX
Contact: Moses Luevano (NMLS #1426259) at (855)4BankMD (422-6563) or [email protected]

BBVA/Compass Bank:

AL, AR, AZ, CA, CO, FL, GA, ID, KS, LA, MA, NM, NV, OH, OK, OR, PA, RI, TN, TX, VA, and WA.
Contact Michael Wagner (NMLS# 801156) at 817-310-4017 or [email protected]

BMO Harris Bank:

AZ, FL, IL, IN, KS, MN, MO, WI
Contact: Marc Evans (NMLS #362579) at 920-831-7721 or [email protected]

Cadence Bank:

CO, FL, GA, NC, TX
Contact: Stephen Moore (NMLS #268781) at 512-785-5354 or 713-871-4057 or [email protected]

Chemical Bank:

IL, IN, KY, MI, OH, PA, and WV
Contact: Darick Hensel (NMLS #1177936) at 810.245.9609 or [email protected]

Citizens Bank:

All States except AK & HI
Contact: Michael Keithley (NMLS #29261) at 513-607-0850 or [email protected]

Fifth Third Bank:

FL, IL, IN, KY, MI, OH, TN, WV, GA, NC, SC, WI, PA
Contact my business manager Cindy ([email protected]) for contact information by sending her an email with Fifth Third in the subject line.

*Arvest Bank
**Equal Housing Lender. Member FDIC.