Physician Mortgage in St. Louis, MO — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in St. Louis 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 St. Louis
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. St. Louis is one of the strongest healthcare markets in Missouri, anchored by Barnes-Jewish Hospital and 2 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at Barnes-Jewish Hospital and St. Louis Children's Hospital close on homes in neighborhoods like Central West End, Clayton, Soulard, and throughout the greater St. Louismetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the Forest Park corridor to Ladue, St. Louis offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the St. Louis market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in St. Louis, MO
Whether you call it a physician mortgage, doctor loan, or physician home loan — the St. Louis program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near Barnes-Jewish Hospital, St. Louis 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 St. Louis
Barnes-Jewish Hospital
Physicians qualify for 0% down
St. Louis Children's Hospital
Physicians qualify for 0% down
SSM Health Saint Louis University
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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