Up to 100% home financing,built for medical careers.
These programs are underwritten for medical careers. Qualifying medical professionals may access up to 100% financing on loans to $1 million, with low-down-payment options reaching $2 million — both subject to lender approval.
Depending on the lender, student loans may also be treated differently from a standard mortgage, PMI may be waived, and a signed employment contract may count before you have drawn a single pay cheque.
U.S. Prime Realty is a real estate brokerage, not a mortgage company. Financing comes from independent lender partners.
— for residents, fellows and new attendings
Two tiers, and they are not the same
The amount you borrow decides which one applies. Programs that advertise no down payment cap lower than programs that ask for a small one.
Figures reflect a medical professional program reviewed at the time of writing and are not an offer of credit. Availability, limits and terms vary by lender and by borrower profile. Do not assume a nurse practitioner or physician assistant receives the same maximum financing, down payment or student-debt treatment as an MD, DO or dentist.
A medical career does not fit the standard template.
Standard underwriting weighs the debt you carry now against the income you earn now. For most borrowers those two numbers move together. For a doctor they do not.
A resident finishing training has an unusual shape on paper — large education debt, little saved for a deposit, and an income curve that is about to change steeply and then stay remarkably stable.
A standard mortgage sees the first half of that picture. Medical professional programs were written for the whole of it.
| Standard mortgage | Medical professional program | |
|---|---|---|
| Down payment | Typically 5–20% | Up to 100% financing on loans to $1M |
| PMI | Usually required under 20% | Options with no PMI |
| Student loans | Full payment counted | May be treated flexibly |
| Employment | Pay stubs and history | Signed contract may be accepted |
| Loan amount | Standard limits | Low-down-payment options to $2,000,000 |
General comparison only. Terms vary by lender and by borrower profile, and not every eligible profession receives the same treatment. Nothing here is an offer of credit or a guarantee of qualification.
100% financing for doctors in Florida, in 60 seconds
The short version of this page, from the U.S. Prime Realty channel.
Who may qualify
Eligibility depends on the lender and the programme, and participants must be actively practising. Programmes may include, but are not limited to:
Important program note
Loan amount, financing percentage, underwriting treatment, eligibility, rate and terms vary by lender and by borrower profile. Not every eligible profession receives the same loan limit, financing percentage, rate or underwriting treatment. All financing is subject to approval. U.S. Prime Realty is a licensed Florida real estate brokerage and is not a lender.
Eighteen years of five-star reviews
Pulled live from Google, not selected by us. We opened in 2008, while other brokerages were closing — the founder-broker still runs the firm.
Four steps, and no obligation at any point
You can stop after step two and still know more than when you arrived.
1 · Tell us where you are
A short form — your profession, where you are in your career, and what you are looking for.
2 · Review potential options
We walk you through the programmes that may fit your situation, in plain language.
3 · Meet a lending resource
We introduce you to a lender appropriate to your scenario. No obligation to proceed.
4 · Start your home search
U.S. Prime Realty handles the real-estate side, from first viewing to closing day.
Not ready to talk? Start here.
Most medical professionals we meet are moving for a residency, a fellowship or a first attending post — choosing a neighbourhood they have never lived in, often from another state. Our relocation guide covers exactly that.
- Neighbourhoods, schools and what daily life actually costs
- Written for out-of-state and international buyers
- Free — we just need somewhere to send it
Relocation Guide to South Florida · PDF · free
The questions we hear first
Programme details vary by lender and by individual circumstances. Everything below is general information, not a commitment to lend.
Do I need to have started work yet?+
Do I need to have started work yet?
Not always. Some programmes may accept a signed employment contract with a defined start date in place of pay stubs, which is why they suit residents and fellows approaching the end of training. Whether that applies to you is confirmed by the lender.
How are student loans treated?+
How are student loans treated?
This is usually the deciding factor. Standard underwriting counts the full monthly payment against you. Physician programmes may treat education debt more flexibly — how flexibly varies by lender and by your repayment plan.
Do I need a deposit?+
Do I need a deposit?
Possibly not. Some physician programs advertise 100% financing on loans up to $1 million, which means no down payment for a qualifying borrower. Larger loans, including options up to $2 million, generally do require a down payment.
Both tiers are subject to eligibility and lender guidelines. That is not a guarantee, and it is not available to everyone.
Is PMI always waived?+
Is PMI always waived?
No. Options with no PMI may be available, which is one of the main reasons these programmes exist. Whether it applies to your loan depends on the programme and your profile.
Which professions qualify?+
Which professions qualify?
Commonly physicians, dentists, interns, residents, fellows, optometrists, podiatrists, nurse practitioners, nurse anesthetists and physician assistants — while actively practising. The list and the treatment each receives varies by lender; not every eligible profession gets the same loan limit or terms.
Is this only for a primary residence?+
Is this only for a primary residence?
These programmes are generally written for a primary residence. Occupancy requirements are set by the lender and confirmed before you apply.
Does the first enquiry affect my credit?+
Does the first enquiry affect my credit?
[LENDER TO CONFIRM before launch — do not publish this answer until the lending partner confirms the exact wording.]
What Florida areas are covered?+
What Florida areas are covered?
U.S. Prime Realty serves clients across Florida from four offices — Naples, Cape Coral, Miami / Hallandale Beach and Orlando. Lending eligibility by state and area is confirmed by the lending partner.
How quickly will someone contact me?+
How quickly will someone contact me?
You’ll get an immediate confirmation by email and text, and a specialist follows up. If you’d rather not wait, call or text 239-513-0011.
Want the long version?
We wrote the full homebuying guide for medical professionals in Florida — the same ground this page covers, in far more depth. No form, no email, just the article.
- What a physician mortgage is, and who may qualify
- Physician mortgage vs. conventional, compared line by line
- Requirements to expect, and how to compare offers
Find out what’s actually available to you.
Three ways in. All quick, and none of them commit you to anything.
or call/text 239-513-0011
See If I May Qualify
Name, phone and email — that’s all we need to start.