Physician & Doctor Loan Programs tailored for your next milestone.
$2,000,000
Maximum Loan Amount
0% Down
100% Financing
Why Physicians Choose Garcia
More lenders. Smarter underwriting. A concierge who actually answers.
230+
Lender Network
21 Day
Avg. Close
$0
PMI, Ever
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 (210) 972-9269Built 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
Every reason your colleagues are closing with us.
A loan program engineered around the way physicians actually earn, save, and grow — without the friction that traps most borrowers.
Financing
100% Financing
0% down up to $2,000,000 — keep your savings working in the market, not locked in a down payment.
Savings
Zero PMI
No private mortgage insurance, ever. That's hundreds saved every month from day one.
Flexibility
Student Loan Friendly
IBR, deferred, and income-driven plans counted the right way — six-figure student debt won't sink your approval.
Speed
21-Day Average Close
A streamlined, physician-focused underwriting process. Many files close in three weeks or less.
Timing
Close Before You Start
Use a signed employment contract to close up to 90 days before your first paycheck arrives.
Choice
230+ Lender Network
We shop every scenario across 230+ relationships, so you get the sharpest rate and the right program — not just ours.
Concierge
Direct Specialist Access
One dedicated physician loan specialist — text, call, or email. No call centers, no portal mazes.
Growth
Jumbo & Investment Options
From your first condo to luxury primary homes and investment property — we grow with your career.
Freedom
No Prepayment Penalty
Pay early, refinance, or sell whenever it fits your life. Your loan, your timeline.
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 and shop it across our 230+ lender network.
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.