Physician Mortgage in Miami, FL — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Miami access to 0% down home loans with no PMI and student debt excluded from DTI.
Zack Cervantes · NMLS #502342 · New American Funding
Physician Mortgage in Miami
A physician mortgage is a specialized home loan program that lets doctors, dentists, and healthcare providers buy a home with 0% down, no PMI, and student debt excluded from DTI. Miami is one of the strongest healthcare markets in Florida, anchored by Jackson Memorial Hospital and 2 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at Jackson Memorial Hospital and Baptist Health South Florida close on homes in neighborhoods like Brickell, Coconut Grove, Wynwood, and throughout the greater Miamimetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the South Beach corridor to Design District, Miami offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the Miami market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Miami, FL
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Miami program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near Jackson Memorial Hospital, Miami doctors use this program to buy homes without waiting to pay down student loans first. MD, DO, DDS, DMD, DPM, OD, NP, and PA credentials all qualify.
Hospital Systems in Miami
Jackson Memorial Hospital
Physicians qualify for 0% down
Baptist Health South Florida
Physicians qualify for 0% down
University of Miami Health
Physicians qualify for 0% down
Popular Neighborhoods
Program Highlights
Down Payment
0% — zero out of pocket
PMI
None — ever
Student Debt
Excluded from DTI
Eligible
MD, DO, DDS, DMD, DPM, OD, NP, PA
Who Qualifies for a Physician Mortgage?
Physician mortgage loans aren't just for MDs. If you work in healthcare, there's a good chance you qualify. Zack works with:
- ✓Medical Doctors (MD)
- ✓Doctors of Osteopathic Medicine (DO)
- ✓Dentists (DDS / DMD)
- ✓Oral Surgeons
- ✓Orthodontists
- ✓Podiatrists (DPM)
- ✓Optometrists (OD)
- ✓Ophthalmologists
- ✓Veterinarians (DVM)
- ✓Pharmacists (PharmD)
- ✓Nurse Practitioners (NP / APRN)
- ✓Certified Registered Nurse Anesthetists (CRNA)
- ✓Physician Assistants (PA-C)
- ✓Clinical Psychologists (PsyD / PhD)
- ✓Chiropractors (DC)
- ✓Registered Nurses (RN) with advanced degrees
- ✓Fellows and Residents
- ✓Physicians within 90 days of start date
Don't see your title? Call Zack — many other healthcare professionals qualify depending on the lender.
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Physician Mortgages in Nearby Cities
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