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:
- No PMI despite a down payment of only 0-10%.
- Special treatment for the student loans (usually that they only take required payments into consideration).
- 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
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
Truist:
CA, CT, FL, GA, MA, MD, NC, PA, SC, TN, TX, VA
Contact: Chris Minear (NMLS #273313) at 330–790–1511 or [email protected]Â
UFCU Mortgage Services:
TX
Contact: John Varner (NMLS# 1615725) at 512-828-2988 or [email protected]
U.S. Bank**:
Contact for approved states (email preferred)
Contact: Jonathan Brozek (NMLS #850168) at 916-788-7982 or [email protected]
Bok Financial
AR, CO, KS, MO, OK, TX
Contact: Bo Brown (NMLS #499414) at 816-309-5571 or [email protected]
BankMD:
TX
Contact: Moses Luevano (NMLS #1426259) at (855)4BankMD (422-6563) or [email protected]
BMO Bank:
All States except NY
Contact: Marc Evans (NMLS #362579) at 920-831-7721 or [email protected]
Cadence Bank:
AL, FL, GA, MS, NC, SC, TN, TX
Contact: Charles Felgner (NMLS #659182) at 205-835-6679 or [email protected]
Consumers Credit Union:
IN, MI
Contact: Greg Wierenga (NMLS #1636813) at 616-446-2567 or [email protected]
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 [email protected]
Frandsen Bank & Trust:
MN, WI
Contact: Brandon Reinarts (NMLS #769600) at 507-353-7427 or [email protected]
Fifth Third Bank:
FL, IL, IN, KY, GA, MI, NC, OH, SC, TN, WV
Contact: Tony Lupescu (NMLS #224410 ) 708-351-6416 or [email protected]Â
First Citizens Bank:
FL, GA, MD, NC, SC, TN, VA, WI, WV
Contact: Valerie Leonard (NMLS 415176) at 864-630-0921 or [email protected]
First National Bank of Pennsylvania:
GA, MD, NC, OH, PA, SC, TN, VA, WV
Contact Ken Roos (NMLS# 436834) at 412-951-6793 or [email protected]
Golden 1 Credit Union:
CA
Contact: David Mikkelson (NMLS #2436928) at 858-294-7989 or [email protected]
Huntington Bank:
AK, 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, DC
Contact Sandi Jameson-Frith (NMLS#564023) at 586-749-8355 or [email protected]
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 [email protected]
KeyBank^:
AK, CO, CT, FL, ID, IN, ME, MA, MI, NY, OH, OR, PA, UT, VT, WA
Contact: Colin Ruffner (NMLS #340475) at 703-615-5934 or [email protected]
Laurel Road*:
States:Â All 50 States and Washington, DC
Contact: Americo Mendes (NMLS #108768) at 203-842-8921 or [email protected] or visit Laurel Road
Northwest Bank:
IN, MD, MI, NY, OH, PA
Contact: Tad Kuhn (NMLS #501901) at 614-581-2727 or [email protected]
Regions Bank:
AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, OH, SC, TN, TX
Contact: Lance Johnson (NMLS #93035) at 704-770-3644 Office or 704-975-3033 Cell or [email protected]
TD Bank:
FL, NC, PA
Contact: Babita Vashist (NMLS #203282) at 703-283-7251 or [email protected]
^ NMLS # 399797
**Equal Housing Lender. Member FDIC.
*All loans are provided by KeyBank National Association, Member FDIC and Equal Housing Lender. (NMLS #399797)