Doctor Loans

Physician mortgages with low down payments, no PMI, and student-loan-friendly terms. Work with Ryan McCormick, NMLS #2318877.

Ryan McCormick, Senior Loan Officer

Empire Home Loans, Inc

Phone: (720) 988-7773

Email: [email protected]

NMLS# 2318877

Company NMLS# 1839243

Licensed in: CO, NV

Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.

Doctor Loans for Physicians | Ryan McCormick

Physician mortgages with low down payments, no PMI, and student-loan-friendly terms. Work with Ryan McCormick, NMLS #2318877.

Doctor Loans

What Are Doctor Loans?

Typical Guidelines

Who These Loans Serve

Why Medical Professionals Use This Program

Frequently Asked Questions

Ready to Look at a Doctor Loan?

LOAN PROGRAMS

Physician Mortgage Program

Mortgages designed for physicians, dentists, and medical residents — low down payments, no PMI on many programs, and underwriting that accounts for student loans and a new employment contract.

Program Snapshot

Doctor loans, also called physician mortgages, are purchase and refinance programs built for medical professionals whose income is strong but whose cash and credit profile still reflects years of training. Instead of forcing a 20% down payment or treating student loans like a conventional file, these loans use medical-specific guidelines.

Low down payment, no PMI on many programs, and student-loan-aware underwriting.

works with physician mortgage options through so you can buy during residency, fellowship, or a new attending contract without draining savings meant for boards, relocation, or a first practice.

*Guidelines vary by lender and program. This is not a commitment to lend. All programs are subject to change.

Send your license type, start date, and a few numbers. will tell you which physician program fits before you make an offer.