Maryland physicians and doctors-in-training can purchase with 0% down, no PMI, and loan limits up to $2 million — even with student debt.
Traditional mortgages penalize high student debt and short employment histories. Physician loans are purpose-built for medical professionals — recognizing your income potential from day one.
Check My Eligibility →Purchase your home with no money down — preserving your capital for practice, investing, or life.
Save hundreds per month. No private mortgage insurance — ever — even at 0% down.
Your student loans are excluded or favorably treated in the debt-to-income calculation.
Close before your job start date with an employment contract — perfect for residents and new attendings.
Borrow up to $2 million — well beyond conventional loan limits — to match your earning power.
Medical professionals get priority underwriting. Close quickly in today's competitive market.
These programs are available to a wide range of medical professionals at every stage of their career — from medical students and residents to established attendings.
MD, DO, DDS, DMD, OD, PharmD, DPM, NP, PA, DVM, DC, or other recognized healthcare degrees.
Residents and fellows can qualify with a signed employment contract — no need to wait until your start date.
Most lenders require a 680–700 minimum FICO. Higher scores unlock better rates and terms.
Physician loans apply to owner-occupied primary homes, not investment properties or vacation homes.
Some lenders limit eligibility to physicians who finished residency within the last 10 years.
Move the sliders below to see an estimated maximum loan amount based on your income and specialty. Your actual number may be higher — speak with a specialist to confirm.
Physician loans are available with competitive rates — often matching or beating conventional 20%-down mortgages. Your rate will depend on loan amount, term, credit score, and current market conditions.
Based on 4.8× income multiplier. Actual amounts vary by lender.
This estimate is for illustrative purposes only and is not a commitment to lend. Contact us for a personalized pre-approval based on your complete financial picture.
Fill out our quick eligibility form. We'll match you with the best physician loan lenders in Maryland for your situation.
A physician loan specialist reviews your profile, explains your options, and maps out the path to your ideal home loan.
Receive a pre-approval letter — often within 24 hours — so you can shop with confidence in competitive markets.
We guide you through closing with zero surprises. Start your next chapter in the home you deserve.
Everything you need to know about physician home loans — answered clearly.
Get Personal Answers →Real stories from medical professionals who used physician loans to make homeownership a reality — without the financial strain.
I was a third-year resident with $240,000 in student debt and thought buying a home was impossible. The physician loan changed everything — I closed on a beautiful home in Towson a month before starting my attending position. Zero down, no PMI, and the process was smoother than I imagined.
As a cardiology fellow relocating to Baltimore, I needed to buy quickly. My student loans would have killed me with a traditional mortgage. The physician loan specialist understood our world and got us pre-approved in 24 hours. My family is settled — and I never missed a beat in my fellowship.
I'm a dentist who had no idea physician loans applied to me. My loan specialist explained that as a DMD I qualified, and I was able to purchase a $950K home in Annapolis with just 5% down — no PMI. I wish I'd known about this years ago. Absolutely the right move for any dental or medical professional.
Complete the quick form and a physician loan specialist will contact you — usually within one business day — to walk you through your personalized options.
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