Who it’s for
- Residents, fellows, and practicing physicians (and other professionals on a given lender’s list) buying a primary home.
- Borrowers with a signed employment contract who may need to close before the first paycheck.
- People who want to preserve cash or avoid PMI — and still want an honest comparison to conventional.
How I help
Physician and doctor loans exist because some lenders underwrite career earnings. Common themes as concepts: often low or no down payment, often no PMI, contract income, and saner student-loan treatment. Features are lender-specific — not one government program.
I’ll walk you through the program and the guidelines that apply to your situation. I won’t lock a down-payment percent, a max loan chart, or a degree roster on this page. Sometimes a conventional loan with real money down wins long-term — I’ll run both when it makes sense.
What to expect
Degree/profession, residency or practice status, contract or pay history, student-loan picture, and target price range. Investment property is usually a different product — investment / DSCR.
Next step
Apply or talk. One application — we’ll compare physician vs conventional with current guidelines in my licensed states.
Purchase, refinance, and most programs: Apply opens my Bevri application. Prefer to talk first? Use Talk to Michael. I’ll walk you through the program and the guidelines.