Physician Loan Programs

Physician Loans: What You Need to Know

Buying Your First Home Before Your First Paycheck

Did you know physicians can often buy a home with 0 to 5% down and no PMI?

Physician loan programs are one of the most overlooked advantages for doctors relocating to Colorado and one of the first things Steve Charlett walks his physician clients through.

Here's why they matter:

✅ Available to MDs, DOs, residents, and fellows

✅ No or low down payment requirement

✅ Student loan debt often treated differently in qualifying calculations

✅ No private mortgage insurance in many programs

✅ Can close before your first paycheck arrives

For a physician relocating to the Denver area, this can mean purchasing the right home from day one, rather than renting for a year while building savings.

Steve partners with trusted lenders who specialize in physician mortgage programs and understand the nuances of an attending physician's financial profile.

If you're a physician planning a Colorado relocation, Steve encourages you to explore your options before assuming you can't buy yet.

Steve Charlett | Physician Relocation Specialist Doctor Relocation | RE/MAX Professionals

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