Physician Mortgage in Boston, MA — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Boston 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 Boston
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. Boston is one of the strongest healthcare markets in Massachusetts, anchored by Massachusetts General Hospital and 4 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at Massachusetts General Hospital and Brigham and Women's Hospital close on homes in neighborhoods like Back Bay, Beacon Hill, South End, and throughout the greater Bostonmetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the Longwood Medical Area corridor to Cambridge, Boston offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the Boston market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Boston, MA
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Boston program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near Massachusetts General Hospital, Boston 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 Boston
Massachusetts General Hospital
Physicians qualify for 0% down
Brigham and Women's Hospital
Physicians qualify for 0% down
Beth Israel Deaconess
Physicians qualify for 0% down
Boston Children's Hospital
Physicians qualify for 0% down
Dana-Farber Cancer Institute
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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