Physician Mortgage Loans Louisiana
0% down. No PMI. Student debt excluded from DTI. Zack Cervantes · NMLS #502342.
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Doctor Home Loans Louisiana
Physician mortgage, doctor home loan, physician home loan, and doctor mortgage loan all describe the same product in Louisiana— 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 New Orleans, Baton Rouge, the program qualifies you on your medical credentials and future earning power — not just your last two years of W-2s.
Louisiana 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 Louisiana
Each city below is a major physician borrower market in Louisiana. Hospital systems, popular neighborhoods, and physician housing density all factor into program pricing.
Physician Mortgage New Orleans
New Orleans physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. New Orleans is home to Ochsner Medical Center, Tulane Medical Center, University Medical Center — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Garden District, French Quarter, Uptown.
Full New Orleansphysician mortgage details →Physician Mortgage Baton Rouge
Baton Rouge physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Baton Rouge is home to Our Lady of the Lake, Baton Rouge General — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Mid City, Southdowns, Perkins Rowe.
Full Baton Rougephysician mortgage details →Buying an investment property after your primary home? DSCR loans require no income verification → Qualify on the rental property's cash flow.