Many physicians can avoid private mortgage insurance because specialized physician mortgage programs often remove PMI even with low down payments, while traditional loans typically require it when putting less than 20% down. Why Do Physicians Ask About PMI So Often?...
Student loans are rarely excluded entirely, but physician-friendly mortgage programs often calculate them more flexibly, sometimes using reduced or income-driven payment amounts, which can significantly improve how your debt-to-income ratio looks to lenders. Why This...
For most physicians, a down payment of 0–10% is not only possible, it’s common, especially when using a physician mortgage loan. Many doctors qualify for 100% financing or low down payment options without private mortgage insurance (PMI), depending on purchase price,...
If you’re a physician browsing homes and notice one that’s been sitting longer than others, it’s natural to pause. Between long shifts and limited time, the last thing you want is a property with hidden problems. But in today’s housing market, that assumption can be...
Finishing residency is a huge milestone—but it also brings a wave of financial decisions most physicians have never had to make before. With a jump in income and new responsibilities, many doctors ask: What should I prioritize first? What Are the Major Financial...
After years of high prices and rising rates, many physicians have been asking the same question: Is it finally getting easier to buy a home? The answer is cautiously optimistic. While affordability is still tight, meaningful improvements are underway—and they matter...
