Final Yr. Med. Student


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Unmatched – Doctor Mortgage offering for graduating Medical Students

Make “Match Day” Easier! 

Marketplace for 100% financing | No PMI | Low Rates and Fee | Trusted 

  • 100% Financing up to $750,000 – best in class!
  • No PMI (No Private Mortgage Insurance)
  • Close within 60-90 days of employment start
  • Preferred Client Terms
  • No Pre-Payment Penalty
  • Rapid Re-score ability for initial low credit score
  • Specialized underwriting for all Doctors
  • Trustworthy and Dedicated Team
  • Connecting Preferred Realtors who understand $0 cash at closing
  • 1 Hour Response

Creating our network of professionals was inspired by Physicians for Physicians and remains committed to providing preferred mortgage solutions for final term medical students and turning your home dreams into reality.

So don’t let medical school debt and lack of cash assets stand in the way of your dream to purchase a home. Allow Physician Trust Mortgage to assist you with a prudent investment in real-estate while you forge through your Residency term. We make things much easier for you by providing 100% financing, with No Mortgage Insurance and Private Client Rates on mortgage loans exclusively designed for medical students. You will save more from each payroll by allowing Physician Trust Mortgage to point you in the right direction for home ownership.

Medical Student home loan pre-approval simplified 

At graduation you will need to provide your Match Day Letter assigning you to a Resident training program and facility in the general location of where you desire to purchase a home. This letter should include your position, start date, salary, destination and be signed by your Program Coordinator. It should state that your employment is not contingent on receipt of your medical license, which is employer standard.

If you have not officially graduated from medical school no problem as you can still begin the process with our mortgage professional for your eligibility and pre-approval letter.

It is important to note that should you need to close on your home prior to starting work that an exception will be made allowing closing to take place as early as 60-90 days prior to starting your new Residency assignment. Our experienced Senior Loan Officers will assist you in handling the logistics while communicating with your Realtor so that your loan file is best positioned for approval and closes on time. The timing of closing on a home coupled with graduation responsibilities, hospital coordination, relocation, and perhaps a well earned vacation can be very difficult on all parties. This is why Physician Trust Mortgage will connect you with the most sought after mortgage professional.

Getting started is easy – just complete the Inquire Now or Contact Us form located on all our site pages for assistance in getting connected. Our Doctor network will provide 100% mortgage financing for Residents, Practicing Physicians and Dentists in the following States: Alabama, Alaska, Arkansas, California, Colorado, Connecticut, D.C., Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Mississippi, Michigan, North Carolina, South Carolina, Ohio, Pennsylvania, Tennessee, Texas, Virginia, West Virginia, Washington, Wyoming.