Physician Mortgage Loans Colorado
0% down. No PMI. Student debt excluded from DTI. Zack Cervantes · NMLS #502342.
See What You Qualify For
Free · No credit pull · About 60 seconds
Are you buying or refinancing?
Doctor Home Loans Colorado
Physician mortgage, doctor home loan, physician home loan, and doctor mortgage loan all describe the same product in Colorado— 0% down, no PMI, and student debt excluded from your debt-to-income calculation. Whether you're a resident, fellow, or attending physician practicing in Denver, Boulder, Colorado Springs, or 1 other cities, the program qualifies you on your medical credentials and future earning power — not just your last two years of W-2s.
Colorado has a strong physician housing market, anchored by major hospital systems and growing healthcare employment. Zack Cervantes writes physician mortgages across the state for MD, DO, DDS, DMD, DPM, OD, NP, PA, DVM, and DC credentials.
Top Cities for Physician Mortgages in Colorado
Each city below is a major physician borrower market in Colorado. Hospital systems, popular neighborhoods, and physician housing density all factor into program pricing.
Physician Mortgage Denver
Denver physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Denver is home to UCHealth University of Colorado Hospital, Denver Health, National Jewish Health — physicians at any of these hospital systems qualify. Popular physician neighborhoods include LoDo, Cherry Creek, Highland.
Full Denverphysician mortgage details →Physician Mortgage Boulder
Boulder physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Boulder is home to Boulder Community Health — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Pearl Street, University Hill, Mapleton.
Full Boulderphysician mortgage details →Physician Mortgage Colorado Springs
Colorado Springs physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Colorado Springs is home to UCHealth Memorial Hospital, Penrose Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Old Colorado City, Broadmoor, Briargate.
Full Colorado Springsphysician mortgage details →Physician Mortgage Aurora
Aurora physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Aurora is home to UCHealth Anschutz Campus, Children's Hospital Colorado — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Southlands, Tallyn's Reach, Saddle Rock.
Full Auroraphysician mortgage details →Buying an investment property after your primary home? DSCR loans require no income verification → Qualify on the rental property's cash flow.