Home Loans for Physicians & Advanced Medical Professionals in AZ
(480) 555-0199 edward.lopez@bokfinancial.com

Mortgages for Physicians

Tailored home financing solutions for Arizona medical professionals

Medical Resident

Mortgages for Residents

If you plan to buy a home at any time during your residency, this is the loan for you. No limits on experience.

 Medical Fellows

Mortgages for Fellows

Find and secure your dream home for your fellowship. We have loans to meet your needs.

 Practicing Physician

Mortgages for Attendings

You have experience and time on your side. Excellent loan options for MD, DO and DDS healthcare professionals.
What's the difference?

The benefits of Physician & Advanced Medical Professional home loans

Zero Downpayment

Physician mortgages require very little to no downpayment. This means you can get into a home for a lot less money than it would take other types of borrowers.

Student Loan Consideration

Student loans are often a barrier because they create a high debt to income ratio. Our physician-based mortgage programs can factor those out of the equation.

Future Income Consideration

We look at your future income vs your past income. We can get you approved for financing before you've begun working at a new location.

Getting into your new home is just a click away

From the time you apply for your physician home mortgage loan, until the day you close and get the keys to your new home, our specially trained and experienced staff manages and oversees the entire loan process. Schedule a free consultation today to get started.

Start Your Application

Frequently Asked Questions

Common questions about physician mortgage loans in Arizona

What is a physician mortgage loan?

A physician mortgage loan is a specialized home loan program designed specifically for medical professionals. These loans recognize the unique financial situation of doctors, including high student loan debt and strong future earning potential.

Can I qualify as a resident?

Yes! Residents can qualify using their employment contract or letter from their residency program. You don't need pay stubs or a long employment history.

Do physician loans have higher interest rates?

Physician mortgage rates are typically very competitive with conventional loans. The savings from no PMI and 0% down payment usually outweigh any rate difference.

How do student loans affect qualification?

Unlike conventional loans that use your full student loan balance, physician mortgage lenders use your income-driven repayment amount or may exclude deferred student loans entirely.

What credit score do I need?

Most physician mortgage lenders require a minimum credit score of 680-700. Some programs accept scores as low as 660 for residents and fellows.

Who qualifies for physician loans?

  • Medical Doctors (MD)
  • Doctors of Osteopathic Medicine (DO)
  • Dentists (DDS, DMD)
  • Podiatrists (DPM)
  • Optometrists (OD)