Physician Mortgage Loans Florida
0% down. No PMI. Student debt excluded from DTI. Zack Cervantes · NMLS #502342.
See What You Qualify For
Free · No credit pull · About 60 seconds
Are you buying or refinancing?
Doctor Home Loans Florida
Physician mortgage, doctor home loan, physician home loan, and doctor mortgage loan all describe the same product in Florida— 0% down, no PMI, and student debt excluded from your debt-to-income calculation. Whether you're a resident, fellow, or attending physician practicing in Miami, Fort Lauderdale, Tampa, or 6 other cities, the program qualifies you on your medical credentials and future earning power — not just your last two years of W-2s.
Florida has a strong physician housing market, anchored by major hospital systems and growing healthcare employment. Zack Cervantes writes physician mortgages across the state for MD, DO, DDS, DMD, DPM, OD, NP, PA, DVM, and DC credentials.
Top Cities for Physician Mortgages in Florida
Each city below is a major physician borrower market in Florida. Hospital systems, popular neighborhoods, and physician housing density all factor into program pricing.
Physician Mortgage Miami
Miami physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Miami is home to Jackson Memorial Hospital, Baptist Health South Florida, University of Miami Health — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Brickell, Coconut Grove, Wynwood.
Full Miamiphysician mortgage details →Physician Mortgage Fort Lauderdale
Fort Lauderdale physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Fort Lauderdale is home to Broward Health Medical Center, Holy Cross Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Las Olas, Victoria Park, Rio Vista.
Full Fort Lauderdalephysician mortgage details →Physician Mortgage Tampa
Tampa physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Tampa is home to Tampa General Hospital, Moffitt Cancer Center, James A. Haley Veterans' Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Hyde Park, Channelside, Seminole Heights.
Full Tampaphysician mortgage details →Physician Mortgage Orlando
Orlando physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Orlando is home to Orlando Health, AdventHealth Orlando, Nemours Children's Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Thornton Park, College Park, Mills 50.
Full Orlandophysician mortgage details →Physician Mortgage Jacksonville
Jacksonville physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Jacksonville is home to Mayo Clinic Jacksonville, Baptist Health Jacksonville, UF Health Jacksonville — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Riverside, San Marco, Avondale.
Full Jacksonvillephysician mortgage details →Physician Mortgage West Palm Beach
West Palm Beach physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. West Palm Beach is home to St. Mary's Medical Center, Good Samaritan Medical Center — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Clematis Street, SoSo, Northwood.
Full West Palm Beachphysician mortgage details →Physician Mortgage St. Petersburg
St. Petersburg physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. St. Petersburg is home to Johns Hopkins All Children's, Bayfront Health — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Downtown, Old Northeast, Grand Central.
Full St. Petersburgphysician mortgage details →Physician Mortgage Boca Raton
Boca Raton physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Boca Raton is home to Boca Raton Regional Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Mizner Park, Town Center, East Boca.
Full Boca Ratonphysician mortgage details →Physician Mortgage Sarasota
Sarasota physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Sarasota is home to Sarasota Memorial Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Downtown, Siesta Key, Lakewood Ranch.
Full Sarasotaphysician mortgage details →Buying an investment property after your primary home? DSCR loans require no income verification → Qualify on the rental property's cash flow.