3 Tips for Getting Flexible Mortgage Lending for Doctors

Getting a flexible mortgage as a doctor can be a lot more difficult than you would think. 

And the reasons for this are actually pretty crazy. 

See, when doctors graduate from medical school, they can sometimes end up with $150,000, $200,000, or even more than $300,000 in student loan debt

They may also be in debt with some personal loans, credit cards, and/or other types of debt that were necessary in order for them to graduate. 

This can make it challenging for doctors to actually get home loans, even though they may actually earn a really good income upon graduation. 

See, doctors have a much higher than average income. But despite having this higher income, their debt-to-income ratio can be pretty rough for a standard mortgage. 

Thus, getting a flexible mortgage is difficult. 

So in this blog post, you’re going to learn 3 tips that will help you to get the flexible mortgage you deserve as a medical professional. 

Let’s dive into it and talk about it. 

1. Get A Physician’s Mortgage

You can get a physician’s mortgage to help you qualify for a flexible mortgage loan as a doctor, even if you’re fresh out of school and haven’t had a chance to really ‘clean up’ your debt-to-income ratio yet. 

Physician mortgages are basically home financing solutions that cater to the unique financial situation that healthcare workers find themselves in in America after school. 

Doctors, dentists, veterinarians, chiropractors, and even nurse practitioners can qualify for these types of loans. And if it weren’t for these types of loans, it could actually be really difficult for medical professionals to get home loans of any kind.

The one downside to these types of loans is that the interest rates do tend to be a bit higher. But the underlying fact that you can qualify for them right out of school is pretty cool.

It’s a good idea to do a cost-benefit analysis before taking out any loan—including a physician’s home loan. But if you find out that the interest rates don’t negate the value you’ll derive from getting the loan, you should be good to go. 

2. Find A Lender You Can Trust

When it comes to getting the best deal possible on mortgage rates, it’s always better to find an actual lender you can trust. 

And honestly, this usually comes down to finding great customer service at a local lender. 

Yes, you can apply for these types of loans online. And yes, this can sometimes get you an awesome rate. 

But here’s the thing. 

When it comes to getting a physician mortgage, it’s usually a better idea to find someone you can trust to get you the best rate possible. 

Navigating these financing options can be a real challenge. And finding someone who can help you to walk through it can be massively beneficial. 

3. Shop Around

On the heels of our last point, it also stands to reason that you’ll want to shop around to find the best flexible mortgage lending option. 

As a medical professional, your situation is pretty unique. And a physician home mortgage isn’t necessarily a ‘conventional’ home loan. 

Since it’s a bit of a specialty product, it may serve you better to really shop around for the best possible rate, and to try to find the best deal possible. 

This will probably lead you online. But you can also talk to all of your local lenders, to see if you can find someone in-person to help you. 

With that being said, you can sometimes find better deals online—and that may lead you to choose a mortgage option that isn’t represented by a local lender. 

And that’s ok. Honestly, as long as you choose a company with great customer service, you should be good to go. 

It’s really all about finding the best deal for you, and trying to make sure that you get the best rate possible. 


Hopefully, these 3 tips will help you to get more flexible mortgage home loans as a medical professional. 

Equipped with these tips, you’ll now be able to go out into the world and get yourself an awesome home loan—even if your debt-to-income ratio isn’t the best. 

Buying a home is an important right of passage for any citizen. So don’t miss out on this amazing life opportunity by not being able to qualify for a loan. 

A physician’s home loan can help you to accomplish this in a pretty awesome way. 

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