If you’re a medical professional looking to buy a home in St. Petersburg, Tampa, Clearwater, Seminole, or Sarasota, specialized mortgage solutions are available to help you purchase with confidence—without the typical barriers many doctors face.
At Valor Lending Group, we offer Doctor’s Real Estate Loan programs tailored specifically for physicians and other medical professionals.
What Is a Doctor’s Real Estate Loan?
A Doctor’s Real Estate Loan—known as a Physician Loan—is designed for MDs, DOs, dentists, veterinarians, and, in some cases, pharmacists and medical residents.
Medical professionals often begin their careers with strong earning potential but also carry significant student loan debt and may have limited savings due to years of training. Traditional mortgage programs don’t always reflect this reality. Physician loan programs are structured to recognize your future income and provide more flexible, practical financing options.
Key Benefits for Physicians
- 100% Finance up to $1,500,000
- No Mortgage Insurance
- Max Loan Amount $2,000,000
- Primary Residence Only
- Purchase or Rate and Term
- Min FICO 680
- Gift Funds Allowed for Reserves
- Student Loan Payments Excluded – Some Restrictions
- 15, 20, and 30 year Fixed
- 5/6, 7/6 and 10/6 ARMS Available
- Eligible Medical Professionals Include: MD, DO, DDS, DMD, PharmD, VMD, DPM, CRNA
If you’re a physician or medical professional ready to explore your home financing options, Laura Licea at Valor Lending Group is here to help.
Call or text 949-887-3728 to discuss your personalized loan scenario.
