Physician & Doctor Loan Programs tailored for your next milestone.
$2,000,000
Maximum Loan Amount
0% Down
100% Financing
The Garcia Promise
Best Rate Guarantee — in writing.
Bring a valid lock from any competing lender. If we can't beat or match it, we pay you $2,000 at closing.
Zero Private Mortgage Insurance (PMI) required.
Student loan flexibility — IBR, deferred, and income-driven payments considered.
Projected income accepted — close up to 90 days before your start date.
Access to 230+ lender relationships for the sharpest pricing.
Secure Your Rate
Start your tailored physician loan assessment today.
Underwriting built around medicine — not against it.
230+
Lender Network
We shop your scenario across 230+ lender relationships to find the sharpest pricing and the right program — not just whatever sits on our shelf.
Flexible
Student Loan Treatment
IBR, deferred, and income-driven repayment plans considered correctly. Heavy student debt does not have to sink your DTI.
90 Days
Projected Income
Close on your home up to 90 days before your start date using a signed employment contract — no pay stubs required.
Questions about the program? Talk to a physician loan specialist.
Call (555) 123-4567Built for the professionals who built their careers on precision.
Our physician loan program is open to the credentials listed here, including residents and fellows actively training in one of these specialties.
Don't see your credential?
Call us anyway — with 230+ lender relationships, we likely have another great program built for you.
- Medical DoctorMD
- Doctor of OsteopathyDO
- Doctor of Dental Science or SurgeryDDS
- Doctor of Dental MedicineDMD
- Doctor of OphthalmologyMD / DO
- Doctor of PsychiatryMD / DO
- Doctor of PharmacyPharmD
- Doctor of Veterinary MedicineVMD
- Doctor of Podiatric MedicineDPM
- Certified Registered Nurse AnesthetistCRNA
- Medical residents & fellows with one of the above degreesResident
The $2,000 Best Rate Guarantee.
Bring us a valid lock from any competing lender on a comparable physician loan program. If we can't beat or match it, we'll pay you $2,000 at closing. We earn your trust the same way you earn your patients'.
Three steps from inquiry to keys.
Confidential Assessment
Submit the form. A physician loan specialist reviews your situation — including employment contract, student debt, and target market.
Tailored Quote
We structure a 100% financing solution sized to your career trajectory, locked against our $2,000 best rate guarantee.
Close With Confidence
Streamlined underwriting that recognizes signed employment contracts — close up to 90 days before your start date.
Your next chapter deserves precise financing.
A specialist will contact you within two business hours of submission.