Physician Mortgage Loans Oregon
0% down. No PMI. Student debt excluded from DTI. Zack Cervantes · NMLS #502342.
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Doctor Home Loans Oregon
Physician mortgage, doctor home loan, physician home loan, and doctor mortgage loan all describe the same product in Oregon— 0% down, no PMI, and student debt excluded from your debt-to-income calculation. Whether you're a resident, fellow, or attending physician practicing in Portland, Eugene, the program qualifies you on your medical credentials and future earning power — not just your last two years of W-2s.
Oregon has a strong physician housing market, anchored by major hospital systems and growing healthcare employment. Zack Cervantes writes physician mortgages across the state for MD, DO, DDS, DMD, DPM, OD, NP, PA, DVM, and DC credentials.
Top Cities for Physician Mortgages in Oregon
Each city below is a major physician borrower market in Oregon. Hospital systems, popular neighborhoods, and physician housing density all factor into program pricing.
Physician Mortgage Portland
Portland physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Portland is home to OHSU Hospital, Providence Portland, Legacy Emanuel — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Pearl District, Alberta Arts, Hawthorne.
Full Portlandphysician mortgage details →Physician Mortgage Eugene
Eugene physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Eugene is home to PeaceHealth Sacred Heart — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Downtown, South University, Whiteaker.
Full Eugenephysician mortgage details →Buying an investment property after your primary home? DSCR loans require no income verification → Qualify on the rental property's cash flow.