Physician Mortgage Loans Virginia
0% down. No PMI. Student debt excluded from DTI. Zack Cervantes · NMLS #502342.
See What You Qualify For
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Doctor Home Loans Virginia
Physician mortgage, doctor home loan, physician home loan, and doctor mortgage loan all describe the same product in Virginia— 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 Richmond, Arlington, Norfolk, the program qualifies you on your medical credentials and future earning power — not just your last two years of W-2s.
Virginia 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 Virginia
Each city below is a major physician borrower market in Virginia. Hospital systems, popular neighborhoods, and physician housing density all factor into program pricing.
Physician Mortgage Richmond
Richmond physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Richmond is home to VCU Medical Center, Bon Secours St. Mary's, Chippenham Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include The Fan, Carytown, Church Hill.
Full Richmondphysician mortgage details →Physician Mortgage Arlington
Arlington physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Arlington is home to Virginia Hospital Center — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Clarendon, Rosslyn, Ballston.
Full Arlingtonphysician mortgage details →Physician Mortgage Norfolk
Norfolk physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Norfolk is home to Sentara Norfolk General, Children's Hospital of The King's Daughters — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Ghent, Downtown, Ocean View.
Full Norfolkphysician mortgage details →Buying an investment property after your primary home? DSCR loans require no income verification → Qualify on the rental property's cash flow.