Physician Mortgage in Worcester, MA — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Worcester 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 Worcester
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. Worcester is one of the strongest healthcare markets in Massachusetts, anchored by UMass Memorial Medical Center and 1 other major hospital system — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at UMass Memorial Medical Center and St. Vincent Hospital close on homes in neighborhoods like Shrewsbury Street, Tatnuck Square, College Hill, and throughout the greater Worcestermetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the UMass Medical School corridor to Green Island, Worcester offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the Worcester market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Worcester, MA
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Worcester program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near UMass Memorial Medical Center, Worcester 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 Worcester
UMass Memorial Medical Center
Physicians qualify for 0% down
St. Vincent Hospital
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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