Medical Professional Mortgage: $0 Down, No PMI
Physician home loans in California, Texas, Florida, Arizona, and Georgia: a zero-down doctor mortgage with no PMI, higher loan limits, and medical student loans excluded from your debt-to-income ratio. Buy before your residency starts — close up to 150 days before your first shift.
Two MedPro tiers
Two ways in — pick the tier that matches your title. Both waive PMI and exclude deferred or income-driven student loan payments from your debt-to-income ratio.
| MedPro Premier | MedPro Advantage | |
|---|---|---|
| Down payment | 100% LTV — $0 down | 95% LTV — 5% down |
| Max loan amount | Up to $2,000,000 | Up to $2,000,000 |
| Property | 1-unit primary residence | Primary residence |
| Mortgage insurance | 100% waived — no monthly PMI | Waived — no monthly PMI |
| Student loans | Fully excluded from DTI — deferred or IDR/IBR payments removed from your ratios | Excluded from DTI — flexible reserve options |
| Eligible titles | MD, DO, DDS, DMD, DPM, DVM, PharmD, CRNA — includes incoming residents, fellows, and interns | Physician Assistants (PA), Psychologists, Chiropractors, Optometrists, Radiologists — valid clinical license required |
Who qualifies
Eligible participants must be active (not retired) and include, but are not limited to: medical doctors, dentists, medical interns, residents, fellows, licensed physicians, optometrists, podiatrists, nurse practitioners, nurse anesthetists, and physician assistants.
How it works
Contact us
A mortgage specialist collects your documents and answers questions.
Apply
Fully documented application for an efficient review.
Get approved
Access the funds you need to buy your home.
Program guidelines change frequently. Verify the current guidelines and matrix before locking or quoting. This is educational information, not a commitment to lend. Equal Housing Opportunity.
The 150-Day Closing Advantage
Qualify with your signed future employment contract or hospital residency match letter. Close on your primary residence up to 150 days before your official employment start date — move in and get settled before your first shift.
Common questions
What is a medical professional mortgage?
A specialty loan with no PMI, $0-or-low down payment, and higher limits, designed for active medical and dental professionals.
Do residents and fellows qualify?
Yes — interns, residents, and fellows are included alongside attending physicians and dentists.
What credit score is needed?
680 or higher.
Can I buy a home before my residency starts?
Yes. With a signed future employment contract or residency match letter, you can close up to 150 days before your official start date — so you can move in and get settled before your first shift.
How are my student loans treated?
Deferred or income-driven (IDR/IBR) student loan payments are fully excluded from your debt-to-income ratio on both MedPro tiers. Your medical school debt does not count against your qualifying income.
Which medical titles qualify?
MedPro Premier covers MD, DO, DDS, DMD, DPM, DVM, PharmD, and CRNA — including incoming residents, fellows, and interns. MedPro Advantage covers Physician Assistants (PA), Psychologists, Chiropractors, Optometrists, and Radiologists with a valid clinical license.
Is there really no PMI?
Correct. Mortgage insurance is 100% waived on both tiers — no monthly PMI even at $0 down on MedPro Premier or 5% down on MedPro Advantage.
What is the maximum loan amount?
Up to $2,000,000 on both MedPro Premier and MedPro Advantage, for a primary residence.
See what you qualify for
Tell us where you want to buy and how much you can put down. We'll match you with the assistance programs that fit — 100% combos, 1% down grants, or CalHFA — and walk you through every step.