Introducing the Physician Mortgage Program designed for Physicians/Doctors, Dentists, Optometrists or Oral Surgeons who will soon be finishing their training or have practiced for less than one year.


Qualify for a Mortgage now!

Under the Physician Loan Program, student loans that will be deferred for a minimum of 12 months after the closing date may be excluded from a borrower’s monthly DTI. Future earning potential may also be factored into the application, allowing the borrower to qualify for higher loan amounts – and in some cases, in higher cost areas.

Physician Loan Program Highlights

  • Newly licensed Medical Residents may be eligible
  • Existing Physicians/Doctors, Dentists, Oral Surgeons practicing less than 1 year may be eligible
  • Future/projected Income may be considered under certain circumstances (purchase only)
  • Minimum 720 FICO score required
  • 30-Year Fixed and 7/1 ARM available
  • Purchase and Rate & Term Refinance transactions available
  • Low down payment options
  • Primary Residences only
  • Single-family homes, condos, PUDs and modular homes only
  • Lender paid mortgage Insurance only

It’s Just What the Doctor Ordered

They’ve worked hard to achieve success and they deserve a program to fit their needs. For more information about this program or the variety of products and specials we offer, contact your Loan Officer.

If you are purchasing, you need to find an agent who can help you find what you are looking for!

John E Neal II has been helping people with their real estate and mortgage needs for over 20 years. Anyone who has questions or needs to get pre-approved for a mortgage with no overlays on ANY type of loan can contact John E Neal II at 312-235-6453 or email at He is available 7 days a week, evenings, weekends, and holidays.

This content is not the product of the National Association of REALTORS®, and may not reflect NAR's viewpoint or position on these topics and NAR does not verify the accuracy of the content.