Physician Mortgage: 100% Financing for Medical Doctors (MD)

Discover How Physician Mortgage Loans Provide Up to 100% Financing, No PMI, Flexible Student Loan Treatment, and Manual Underwriting Designed for Practicing MDs, Residents, Hospital-Employed Physicians, and Private Practice Doctors Building Careers and Families

You earned the most universally recognized medical degree in the world—the Doctor of Medicine (MD)—through four years of undergraduate study followed by four years of medical school combining biochemistry, gross anatomy, pharmacology, pathology, clinical rotations, and board examinations. Now you’re building a career generating $250,000-600,000+ annually across specialties ranging from family medicine and internal medicine to cardiology, orthopedic surgery, neurosurgery, dermatology, and emergency medicine.

But the financial paradox of physician careers creates a homeownership gap that your income alone cannot solve. Medical school debt averaging $200,000-300,000+ arrives alongside three to seven years of residency and fellowship training at $55,000-75,000 annually—years during which conventional down payment accumulation is functionally impossible. By the time you reach attending compensation, you may be 30-35 years old with six figures in student loans, zero home equity, and years of rent payments building nothing.

The Non-Conforming Loan for Medical Professionals offered through Stairway Mortgage, Division of NEXA Mortgage LLC, was built specifically for this reality. It provides up to 100% financing (zero down payment) on primary residence purchases, no monthly private mortgage insurance regardless of LTV, loan amounts up to $2 million, manual underwriting evaluating complete financial profiles, flexible DTI up to 50% accommodating student debt, and multiple term options matching physician career timelines.

Use our Conventional Loan Calculator to compare what a standard mortgage would cost you—then see why the physician mortgage eliminates PMI and down payment barriers entirely.

Key Details About the MD Physician Mortgage Program:

• Up to 100% loan-to-value (LTV) financing—zero down payment for eligible physicians purchasing primary residences
• No monthly private mortgage insurance (PMI) regardless of down payment, saving $200-500+ monthly versus conventional financing
• Loan amounts up to $2 million for primary residence purchases
• Manual underwriting evaluating complete financial profiles—employment contracts, career trajectory, income potential—rather than automated algorithm decisions
• Maximum debt-to-income ratio (DTI) up to 50%, accommodating medical school debt and practice-related obligations
• Fixed-rate options: 15, 20, 25, and 30-year terms
• Adjustable-rate options: 5/6, 7/6, and 10/6 ARM structures
• No prepayment penalties—refinance or accelerate payments as career matures
• Non-occupant co-borrowers allowed (income contribution up to 50% of qualifying income)
• Gift funds accepted for reserves
• Purchase and rate-and-term refinance for primary residences
• Eligible properties: 1-unit single-family residences (SFR), planned unit developments (PUD), condominiums, and townhomes
• Minimum credit score: 680

Ready to explore your physician mortgage options? Schedule a call with a loan advisor or take our Discovery Quiz to see which programs match your profile.

What Is a Physician Mortgage Loan?

A physician mortgage loan is a specialized non-conforming mortgage designed for medical doctors (MDs) and other qualifying medical professionals. Unlike conventional loans that require 5-20% down payment and monthly PMI below 80% LTV, or FHA loans that carry 0.55% annual mortgage insurance for life, the physician mortgage eliminates both barriers entirely.

The program is held in portfolio by lenders rather than sold to government-sponsored enterprises, enabling physician-specific qualification accommodations that standardized agency guidelines cannot provide.

How the physician mortgage differs from every other program:

The fundamental advantage is manual underwriting—a human reviewer evaluates your complete financial profile rather than an automated algorithm that sees $250,000 in student debt and immediately flags risk. Manual underwriting recognizes what algorithms cannot: that $250,000 in medical school debt funded a career generating $300,000-600,000+ annually, that a residency stipend of $65,000 is temporary by design, and that a signed employment contract at $350,000 represents imminent financial transformation.

Explore the Buy a House Journey for step-by-step guidance on the homebuying process, or compare your financing options across all loan programs.

Core program benefits at a glance:

• 100% financing preserving capital for student loan management, retirement contributions, and practice investment
• Zero mortgage insurance at any LTV—even at $0 down, you pay $0 in PMI
• Up to $2 million loan capacity matching physician compensation levels
• 50% DTI ceiling accommodating substantial educational debt
• Flexible terms aligned with physician career milestones from residency through established practice

Major MD Physician Mortgage Advantages

1. Up to 100% Financing (Zero Down Payment)

The $0 down option is not a concession—it is the program’s foundational design principle. Physicians complete eleven to fifteen years of post-secondary education and training before reaching full compensation. During this extended pathway, savings accumulation is limited by training-level incomes and six-figure student loan obligations.

A physician who chooses 100% financing on a $450,000 home preserves $45,000-90,000 in capital that would otherwise be locked in a down payment. That capital remains available for student loan management, retirement account contributions, emergency reserves, and—for physicians with entrepreneurial goals—future practice investment.

Run numbers for your specific scenario with the Conventional Loan Purchase Calculator and compare monthly payments across programs using the Compare Mortgage Rates Calculator.

2. No Monthly Private Mortgage Insurance (PMI)

PMI is the hidden cost that makes conventional low-down-payment mortgages significantly more expensive.

Example—$450,000 home with 5% down ($22,500) through conventional financing:

• Conventional PMI: $245/month × 12 = $2,940 annually
• Physician mortgage: $0 PMI
• Annual savings: $2,940 redirected to student loans, retirement, or wealth building

Over five years, that PMI elimination saves approximately $14,700—money that could fund an IRA, accelerate student loan payoff, or serve as a reserve fund. Compare the impact using our FHA Loan Calculator to see how FHA’s lifetime mortgage insurance compares.

3. Loan Amounts Up to $2 Million

Physician income supports housing in the $400,000-1,200,000+ range across most markets. The $2 million ceiling ensures specialists in high-cost metropolitan areas—cardiothoracic surgeons in San Francisco, dermatologists in Manhattan, orthopedic surgeons in Boston—have access to housing appropriate to their professional income.

For purchases above $2 million, see Jumbo Loan: 7 Strategies for Financing Luxury Properties Above Conforming Limits. Estimate payments on higher-value properties with the Jumbo Loan Calculator.

4. Flexible Debt-to-Income Treatment (Maximum 50%)

Student loan DTI treatment is where the physician mortgage creates the most dramatic qualification difference.

The conventional penalty:

• $280,000 student loan balance
• Conventional underwriting applies 1% of balance rule: $2,800/month imputed payment
• On $300,000 gross income ($25,000/month): 11.2% DTI consumed by student loans alone before housing

The physician mortgage approach:

• Same $280,000 balance on income-driven repayment
• Actual IBR payment: $450/month
• DTI impact: 1.8% of gross income—freeing $2,350/month in qualification capacity
• That $2,350/month difference translates to approximately $90,000-120,000 in additional purchasing power

5. No Prepayment Penalties

Refinance or accelerate payments as income grows. Particularly valuable for physicians whose compensation often doubles or triples within the first five years of attending practice.

When you’re ready to optimize your existing mortgage, explore the Refinance or HELOC Journey for all equity access and rate improvement options.

6. Multiple Term Options

Fixed-rate (15, 20, 25, 30 years): 30-year terms provide lowest monthly payments during early career when debt management is paramount. 15-year terms build equity fastest for established attendings.

Adjustable-rate (5/6, 7/6, 10/6 ARMs): Lower initial rates for physicians who may relocate for fellowship, practice opportunities, or lifestyle changes within five to ten years.

MD Physician Mortgage vs Other Financing Options:

Explore all programs side-by-side at our Loan Programs page.

MD Physician Mortgage Eligibility Requirements

Eligibility combines professional credential verification, property requirements, credit standards, and income qualification through manual underwriting.

Professional Credentials:

Qualifying designations (at least one borrower must hold one):

• Doctor of Medicine (MD) — Medical degree from LCME-accredited institution
• Other qualifying medical degrees: DO, DDS, DMD, PharmD, VMD, DPM, CRNA

Career stage eligibility covers the full physician lifecycle:

• Licensed attending physicians in any specialty or subspecialty
• Residents in ACGME-approved programs (PGY-1 through PGY-7+)
• Fellows in subspecialty training
• Hospital-employed, group practice, academic, and government physicians
• Private practice owners (sole proprietor, partnership, or corporate structure)

Co-borrower provisions:

• Non-physician co-borrowers permitted—only one borrower needs qualifying degree
• Non-occupant co-borrowers allowed with income capped at 50% of qualifying total
• Spouse income combined for qualification regardless of profession

Property and Transaction Requirements:

• Eligible properties: 1-unit SFR, PUD, condominiums, townhomes
• Primary residence only—investment, rental, vacation, and commercial properties excluded
• Transactions: Purchase and rate-and-term refinance (cash-out not available under this program)

For investment property financing, explore DSCR Loan: 7 Smart Strategies for Real Estate Investors which qualifies on rental income without personal income documentation. Estimate your investment returns with the DSCR Loan Calculator or the Rental Property Calculator.

Credit and Financial Standards:

• Minimum credit score: 680
• 12-month clean payment history strengthens application
• Medical school and residency financial hardship evaluated in context

Income and Employment Documentation:

Hospital-employed or group practice physicians (W-2):

W-2 income from hospital, health system, or medical group documented through employment agreement and two-year history. Base salary, call pay, shift differentials, and productivity bonuses averaged across documented periods.

Private practice physicians (self-employed):

Two years of tax returns documenting self-employment income. Practice revenue and personal compensation evaluated through manual underwriting. For alternative documentation pathways: Bank Statement Loan qualifies using 12-24 months of deposits, and P&L Loan qualifies using CPA-prepared statements. Calculate your qualification under these alternatives with the Bank Statement Loan Calculator or P&L Loan Calculator.

Locum tenens physicians:

Two years of 1099 or W-2 income from locum agencies documents earning pattern. See 1099 Loan: 7 Smart Strategies for Independent Contractors and run numbers with the 1099 Loan Calculator.

DTI and Reserves:

• Maximum DTI: 50%
• Student loan payments at actual documented amount (IBR/IDR/PAYE)
• Gift funds accepted for reserves and closing costs
• Retirement accounts, investments, and liquid savings count toward reserve requirements

Buying Before Your First Attending Paycheck

The most powerful application of the physician mortgage is qualifying for homeownership before attending-level compensation begins. This section addresses the specific mechanics that make training-stage purchases possible.

Why buying during residency or fellowship changes your financial trajectory:

Every month of rent during training is a month of equity you did not build. A PGY-2 resident who purchases a $320,000 townhome and holds it through five years of training accumulates approximately $25,000-60,000+ in equity through principal reduction and market appreciation—while a colleague renting at $1,500/month pays $90,000 to a landlord and builds nothing.

The physician mortgage makes this possible through three mechanisms working together:

1. Zero down payment eliminates the savings barrier. A resident earning $65,000 with $250,000 in student loans cannot accumulate $16,000-64,000 for a conventional 5-20% down payment on a $320,000 property. The $0 down option removes this impossibility.
2. No PMI keeps monthly costs competitive with rent. Without the $175-250/month PMI penalty that conventional low-down-payment loans carry, the physician mortgage monthly payment on a $320,000 home is often comparable to or lower than rent for equivalent housing.
3. Manual underwriting evaluates training-stage income appropriately. Automated systems see a $65,000 income with $250,000 in debt and deny the application. Manual underwriting sees a physician-in-training with guaranteed career trajectory, professional licensing, and near-zero unemployment risk.

Explore detailed guidance for training-stage purchases on our Medical Resident and Fellow Home Loan Program page, and see how a VA Loan might stack with physician mortgage benefits for military-connected residents using the VA Loan Calculator.

Using Employment Contracts to Qualify

The signed employment contract is the most transformative qualification tool for physicians transitioning from training to practice. It converts a $65,000 residency stipend into qualification at $250,000-500,000+ attending compensation—before you earn your first attending paycheck.

How contract qualification works:

• Fully executed contract signed by both physician and employer
• Compensation clearly stated including base salary, guaranteed minimum, or compensation formula
• Start date specified typically within 60-90 days of mortgage closing
• No disqualifying contingencies (standard board/licensing conditions generally acceptable)

The qualification transformation:

• PGY-5 surgery resident qualifying on stipend: $69,000 → purchases up to $250,000-300,000
• Same resident with signed attending contract at $385,000 → purchases up to $900,000-1,100,000+
• The contract doesn’t add incremental capacity—it can triple or quadruple purchasing power

Strategic timing for contract-based purchases:

Start three to six months before training completion. Sign contract → begin pre-qualification within 30 days → house search and offer → underwriting → close near training completion → begin attending position.

See real-world examples of how medical professionals leverage financing in our Case Studies:

• Jumbo Construction Loan: Surgeon Builds Multi-Generational Custom Estate
• Conventional Loan: Physical Therapist Purchases First Home
• Down Payment Assistance: Teacher Purchases First Home with Grant Funding

Managing Student Loans in DTI Calculations

Student loan treatment is where the physician mortgage creates the most dramatic qualification difference versus conventional and FHA financing. Understanding how different repayment plans interact with DTI calculation helps you optimize your application.

Income-driven repayment (IBR, IDR, PAYE, REPAYE, SAVE):

The physician mortgage uses your actual documented monthly payment for DTI. During residency, IDR payments are typically $0-500/month based on discretionary income. This is the single most important qualification advantage.

The math that changes everything:

• $300,000 student loan balance
• Conventional 1% rule: $3,000/month imputed payment
• Actual IBR during residency: $0-350/month
• DTI difference: $2,650-3,000/month freed for housing qualification
• Purchasing power difference: $100,000-140,000+

Strategic student loan positioning:

Enroll in an income-driven plan before applying for your mortgage. Obtain documentation from your servicer confirming your current monthly payment amount. Do not consolidate or refinance student loans during the mortgage application process—changing loan terms mid-application disrupts underwriting.

PSLF considerations for physician borrowers:

Physicians employed by non-profit hospitals, academic medical centers, VA medical centers, and government agencies may qualify for Public Service Loan Forgiveness. Lower IDR payments under PSLF-qualifying employment directly improve DTI—creating stronger mortgage qualification while pursuing eventual loan forgiveness.

Manual Underwriting Advantages for Physicians

Manual underwriting is not simply an alternative to automated underwriting—it is a fundamentally different evaluation methodology that recognizes physician financial profiles as they actually exist rather than as algorithms interpret them.

What automated underwriting sees:

• $250,000+ in student debt → high-risk borrower
• Training-level income of $65,000 → insufficient income
• No down payment savings → insufficient assets
• Multiple accounts in deferment → financial stress indicators
• Result: Denial or unfavorable terms

What manual underwriting evaluates:

• $250,000 in debt funded a career generating $300,000-600,000+ annually → strong investment return
• Training income is temporary by design → career trajectory evaluated
• Capital preservation for student loan management → financially prudent decision
• Deferment during training is standard practice → no negative inference
• Professional licensing, board certification, near-zero unemployment → exceptional career stability
• Result: Approval with favorable physician mortgage terms

Compensating factors that strengthen physician applications:

Substantial reserves (retirement accounts, investments, savings), strong credit history, signed employment contract at higher income, minimal non-student-loan consumer debt, and practice equity for established physicians—all recognized and credited by manual underwriting.

See how other professionals have navigated complex qualification scenarios: DSCR Loan Refinance: Physician Improves Investment Property Terms and Jumbo Loan Cash-Out Refinance: Business Owner Leverages Equity.

Physician Relocation and Multi-State Licensing

Physician careers involve more geographic transitions than almost any other profession. Medical school, residency, fellowship, and attending positions frequently occur in different states—and each transition creates a homebuying opportunity the physician mortgage is designed to accommodate.

Common physician relocation patterns:

• Medical school → residency (different city/state for 90%+ of graduates)
• Residency → fellowship (subspecialty training, often another relocation)
• Fellowship → first attending position (target community for long-term practice)
• Attending → practice change (partnership opportunity, lifestyle relocation, leadership role)

How the physician mortgage accommodates relocation:

$0 down preserves moving costs. No prepayment penalty allows selling without financial consequence. ARM options (5/6, 7/6) align with known relocation timelines. Employment contracts for new positions qualify at contracted income immediately.

Multi-state licensing and closing timing:

Physicians relocating across state lines must obtain medical licensure in the destination state. The physician mortgage accommodates in-progress license applications—you do not need active state licensure at application, only at or near closing.

Use our Private Home Search to explore properties in your target market, and request a Home Value Report for any property you’re considering. For physicians relocating to rural or suburban areas, explore USDA Loan: 7 Strategies for Rural and Suburban Homeownership as a potential zero-down alternative with the USDA Loan Calculator.

Common Uses for MD Physician Mortgage Loans

New Attending Purchasing First Home

Scenario: 32-year-old internist completing residency, starting hospitalist position:

• Starting salary: $275,000
• Student loans: $265,000 (IBR at $400/month)
• Savings: $18,000
• Target: $450,000 single-family home

Solution: Signed employment contract at $275,000 qualifies for income. $0 down preserves savings for emergency fund and retirement. No PMI saves $290/month. IBR payment of $400/month used for DTI versus $2,650/month under conventional 1% rule. Manual underwriting recognizes hospitalist career stability.

Dual-Physician Couple

Scenario: Married physicians—cardiologist and pediatrician:

• Combined income: $520,000
• Combined student loans: $480,000 (IBR totaling $1,200/month)
• Target: $850,000

Solution: Combined income supports strong qualification. IBR at $1,200/month on $480,000 combined debt used for DTI. $0 down preserves capital for dual loan management. No PMI saves $550/month. Calculate the potential with our Jumbo Loan Calculator.

Surgeon Upgrading Family Home

Scenario: 44-year-old orthopedic surgeon, established private practice:

• Practice income: $485,000
• Student loans: $90,000 remaining
• Current home: $520,000 (owed $320,000)
• Target upgrade: $920,000

Solution: Strong income and limited remaining debt create excellent qualification. Equity from current home available for down payment or preserved through 100% financing. No PMI regardless of LTV. See Home Equity Loan or HELOC options for accessing current home equity. Use the Home Equity Loan Calculator or HELOC Calculator to model equity access strategies.

Resident Purchasing During Training

Scenario: 29-year-old PGY-3 emergency medicine resident:

• Residency stipend: $67,000
• Student loans: $290,000 (IDR at $0/month—income below threshold)
• Parents as non-occupant co-borrowers: $95,000 combined income
• Target: $310,000 townhome near hospital

Solution: $0 IDR payment used for DTI. Parent co-borrower income strengthens qualification. $0 down eliminates savings barrier. No PMI saves $200/month. Property builds equity during remaining residency years. See our Conventional Loan Calculator for Construction if considering new builds near training hospitals.

Academic Physician Relocating for Department Chair Position

Scenario: 48-year-old academic gastroenterologist accepting department chair at new institution:

• New contract: $410,000 (salary plus academic supplement)
• Spouse income: $85,000
• Combined: $495,000
• Current home selling for $680,000 (owed $290,000)
• Target: $780,000 in new city

Solution: Employment contract qualifies at $410,000 plus spouse income. No prepayment penalty on current home. $0 down available or equity from sale applied. Need to purchase before current home sells? Explore Bridge Loan: 7 Strategic Ways to Buy Before You Sell with the Bridge Loan Calculator.

Private Practice Physician Building Investment Portfolio

Scenario: 40-year-old dermatologist, solo practice owner:

• Practice income: $420,000
• Student loans paid off
• Current home: $600,000 (owed $310,000)
• Wants to purchase primary residence upgrade AND begin investment property portfolio

Solution: Physician mortgage handles the primary residence upgrade. For investment properties: DSCR Loan qualifies on rental income without personal income documentation. Calculate your investment strategy with the DSCR Loan Calculator, Rental Property Calculator, and Investment Growth Calculator. Learn about the BRRRR Method for scaling rental portfolios.

See additional physician and medical professional case studies:

• DSCR Loan: Real Estate Agent Purchases Fourth Rental Property
• DSCR Loan Cash-Out Refinance: Investor Accesses Rental Property Equity
• Conventional Loan Refinance: Nurse Reduces Monthly Payment
• Asset-Based Loan Purchase: Investment Banker Buys Luxury Waterfront Home
• FHA Loan: Physical Therapist Achieves First-Time Homeownership

Frequently Asked Questions About MD Physician Mortgage Loans

Can I qualify during residency or fellowship?

Yes. Residents and fellows at any PGY level qualify. You can purchase using your current training stipend, with co-borrower support, or using a signed post-training employment contract at attending compensation. See our dedicated Medical Resident and Fellow Home Loan Program page for comprehensive training-stage guidance.

How is my student loan payment calculated for DTI?

Actual documented monthly payment is used. If you’re on IBR/IDR paying $350/month, that’s the number used for DTI—not 0.5-1% of your total balance. Obtain a payment verification letter from your servicer before applying.

Does my spouse’s income count even if they’re not a physician?

Yes. Non-physician co-borrowers are fully permitted. Only one borrower needs an MD or other qualifying degree. Spouse income combined for stronger qualification regardless of their profession.

What if I’m self-employed with a private practice?

Self-employed physicians qualify with two years of tax returns. Manual underwriting evaluates practice revenue alongside personal income. For physicians whose tax returns underrepresent actual earning capacity due to business deductions, alternatives include: Bank Statement Loan, P&L Loan, and Asset Based Loan. Run your numbers: Bank Statement Calculator | P&L Calculator | Asset-Based Calculator.

Can I use this for an investment property?

No—primary residence only. For investment properties: DSCR Loan qualifies on rental income, Fix and Flip Loan for renovation projects, and Hard Money Loan for time-sensitive acquisitions. Plan your investment strategy with the Rental Property Calculator and the Fix and Flip Loan Calculator.

Is refinancing available?

Rate-and-term refinance for primary residences. Eliminate PMI from existing conventional loans. Cash-out not available under this specific program. For cash-out options: Home Equity Loan, HELOC, or Conventional Loan Cash-Out Refinance. Visit the Refinance or HELOC Journey for all refinance and equity access options.

What property types are eligible?

1-unit primary residences: single-family homes, PUDs, condominiums, townhomes. Not eligible: multi-unit, investment, rental, vacation, or commercial properties. For condominiums in non-warrantable buildings, see Non-Warrantable Condo Loan. For condotel or resort properties, explore Condotel Loan or Resort Condo Loan.

Can I build a custom home?

The physician mortgage covers existing homes. For new construction, explore Construction Loan: 7 Essential Steps, Jumbo Construction Loan for luxury builds, FHA Construction Loan for accessible construction financing, or VA Construction Loan for military-connected physicians. Calculate your build costs: Construction-to-Perm Calculator | Jumbo Construction Calculator.

What about down payment assistance programs?

Physicians typically don’t need DPA because the physician mortgage offers $0 down. However, if exploring conventional or FHA paths, Down Payment Assistance: 7 Proven Programs may provide grants or forgivable loans. Use the Down Payment Assistance Calculator to see available programs.

How quickly can I close?

Typical timeline: 30-45 days from application to closing. Pre-qualification takes 1-3 days. Pre-approval with documentation: 1-2 weeks. Formal underwriting: 2-3 weeks. Closing: 1 week. Need faster? Explore our Same-Day Approval process.

What do I need to get started?

Gather these documents: employment contract or training appointment letter, two years W-2s or tax returns, medical license documentation, recent paystubs, student loan servicer statement showing current monthly payment, bank/investment statements (two months), and identification. Then get pre-approved or submit a purchase inquiry.

Alternative Solutions for Physicians

If the physician mortgage doesn’t fit your specific situation, explore these complementary programs:

For primary residence purchases:

• Conventional Loan — 5-20% down for physicians with savings | Calculator
• FHA Loan — 3.5% down, flexible credit | Calculator
• VA Loan — Zero down for military-connected physicians | Calculator
• USDA Loan — Zero down in eligible rural areas | Calculator
• Jumbo Loan — Above $2 million | Calculator
• Down Payment Assistance — Grants and forgivable loans | Calculator

For self-employed or complex income:

• Bank Statement Loan — Qualify using deposits | Calculator
• P&L Loan — CPA-prepared statements | Calculator
• 1099 Loan — Locum tenens physicians | Calculator
• Asset Based Loan — Qualify on portfolio | Calculator
• Stated Income Loan — Simplified documentation | No Doc Loan

For investment and wealth building:

• DSCR Loan — Rental properties on rental income | Calculator
• Fix and Flip Loan — Renovation investments | Calculator
• Hard Money Loan — Fast financing | Calculator
• Portfolio Loan — Non-standard properties

For equity access and refinance:

• Home Equity Loan — Fixed lump sum | Calculator
• HELOC — Flexible credit line | Calculator
• FHA Streamline Refinance — Lower FHA payments | Calculator
• VA IRRRL — Streamline VA refinance | Calculator

For construction and renovation:

• Construction Loan — Custom builds | Calculator
• Jumbo Construction Loan — Luxury custom homes | Calculator
• FHA 203k Loan — Buy and renovate | Calculator
• HomeStyle Renovation Loan — Conventional renovation | Calculator
• Home Improvement Loan — Value-add improvements

Explore all loan programs | Browse all case studies | Run numbers with any loan calculator

Not sure which fits? Take our Discovery Quiz.

Ready to Explore Your Physician Mortgage Options?

Your MD degree qualifies you for financing that no other mortgage program can match. Whether you’re a resident purchasing your first home before attending income arrives, a new attending leveraging a signed employment contract for maximum purchasing power, a private practice physician navigating self-employment documentation, or an established surgeon upgrading for a growing family—this program provides physician-grade financing aligned with your career reality.

Take action today:

• Take the Discovery Quiz to identify your priorities and recommended programs
• Schedule a call for physician-specific mortgage guidance
• Submit a purchase inquiry to begin pre-qualification
• Get pre-approved to start your physician mortgage application
• Check current rates across all programs
• Search for homes in your target market
• Get a home value report on any property

Start your journey: Buy a House | Build a Wealth Plan | First-Time Buyers | Homeowners | Active Investors

Helpful Physician Mortgage Resources

Official Medical and Financial Resources:

Association of American Medical Colleges (AAMC) — Medical education data including student debt statistics, residency match information, and physician career data.

Accreditation Council for Graduate Medical Education (ACGME) — Residency and fellowship program accreditation, trainee resources, and institutional requirements.

American Medical Association (AMA) — Professional advocacy, practice resources, career development, and physician compensation data.

Consumer Financial Protection Bureau (CFPB) — Federal homebuying education, mortgage tools, and borrower protection.

Stairway Mortgage Resources:

Loan Programs Overview — All financing options including physician and alternative documentation programs

All Loan Calculators — 90+ calculators for every loan scenario

All Case Studies — 75+ real-world professional financing examples

Buy a House Journey — Step-by-step homebuying guidance

Build a Wealth Plan Journey — Comprehensive wealth-building strategies

Current Rates — Today’s rates across all programs

Guides — Downloadable homebuying and investment resources

Blog — Latest articles and insights

Need local expertise? Get introduced to trusted partners experienced with physician homebuyers in your target community.