Physician Mortgage in Salt Lake City, UT — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Salt Lake City 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 Salt Lake City
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. Salt Lake City is one of the strongest healthcare markets in Utah, anchored by University of Utah Health and 2 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at University of Utah Health and Intermountain Medical Center close on homes in neighborhoods like Sugar House, The Avenues, 9th and 9th, and throughout the greater Salt Lake Citymetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the U of U Campus corridor to Downtown, Salt Lake City offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the Salt Lake City market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Salt Lake City, UT
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Salt Lake City program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near University of Utah Health, Salt Lake City 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 Salt Lake City
University of Utah Health
Physicians qualify for 0% down
Intermountain Medical Center
Physicians qualify for 0% down
Primary Children's 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.
Ready to Buy a Home in Salt Lake City?
Get pre-approved in minutes. No credit pull required. Zack responds same day.
See What You Qualify For
Free · No credit pull · About 60 seconds