The Doctor Loan Program is a specialty mortgage designed specifically for medical professionals, recognizing the unique career path of physicians and the financial profile that comes with it. Qualifying medical professionals — including M.D., D.O., D.D.S., D.M.D., and D.V.M. degree holders — can access up to 100% financing with no private mortgage insurance. Employment contracts are accepted for residents, fellows, and physicians transitioning between positions. Contact Q Home Loans to confirm eligibility for your medical degree and state.
Qualified physicians can finance their home purchase with zero down payment — no need to drain savings during residency or early career.
Even with zero or low down payment, Doctor Loans don't require monthly private mortgage insurance. That's significant monthly savings.
Starting a residency or new position? A signed employment contract can be used for qualification — no need to wait for your first paycheck.
Doctor loan programs accommodate higher loan amounts with more flexibility than standard conventional financing.
Doctor loan programs may use more favorable calculations for student loan payments when determining your debt-to-income ratio.
Available for M.D., D.O., D.D.S., D.M.D., Podiatrists, Ophthalmologists, and Veterinarians (D.V.M.). Contact us to confirm your eligibility.
Get answers to common questions about doctor loans.
Explore other financing options that may fit your situation.
Q Home Loans specializes in doctor loans for homebuyers and investors in Washington. Get expert guidance and competitive rates.