Best Physician Mortgage Lenders 2026 — What to Look For
How to choose the right lender for your doctor home loan.
Zack Cervantes · NMLS #502342 · New American Funding
The best physician mortgage lenders in 2026 offer 0% down with no PMI, exclude student loan debt from DTI calculations, and accept signed employment contracts for residents and fellows. Not all physician mortgage programs are equal — the right lender can save you tens of thousands over the life of your loan. Zack Cervantes (NMLS #502342) at New American Funding helps doctors compare programs across multiple lenders in 48 states.
What Makes a Great Physician Mortgage Lender
Down Payment
0% with no PMI
Student Debt
Excluded from DTI
Residents Accepted
With employment contract
Loan Limits
$1M-$2M+ at 0% down
Closing Speed
15-30 days
Service
Dedicated loan officer, not call center
Red Flags to Avoid
- ✗Lenders that require 5-10% down but call it a "physician mortgage"
- ✗Programs that still count full student loan payments in DTI
- ✗Call centers with no dedicated physician mortgage specialist
- ✗Hidden fees or inflated closing costs to offset the no-PMI benefit
- ✗Lenders that don't accept employment contracts for residents
Why Work With Zack Cervantes
Zack Cervantes (NMLS #502342) at New American Funding has closed over $1.5B in loans and specializes in physician mortgages. As a broker with access to multiple physician mortgage programs, Zack shops your loan across lenders to find the best rate and terms for your specific situation.
Whether you're a resident in your first year or an attending looking to upgrade, Zack works directly with you from pre-approval to closing — no hand-offs, no call centers.
See What You Qualify For
Free · No credit pull · About 60 seconds