Physician Mortgage in Cleveland, OH — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Cleveland 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 Cleveland
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. Cleveland is one of the strongest healthcare markets in Ohio, anchored by Cleveland Clinic and 2 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at Cleveland Clinic and University Hospitals close on homes in neighborhoods like Ohio City, Tremont, Detroit Shoreway, and throughout the greater Clevelandmetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the University Circle corridor to Shaker Heights, Cleveland offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the Cleveland market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Cleveland, OH
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Cleveland program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near Cleveland Clinic, Cleveland 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 Cleveland
Cleveland Clinic
Physicians qualify for 0% down
University Hospitals
Physicians qualify for 0% down
MetroHealth
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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