Physician Mortgage in Norfolk, VA — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Norfolk 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 Norfolk
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. Norfolk is one of the strongest healthcare markets in Virginia, anchored by Sentara Norfolk General and 1 other major hospital system — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at Sentara Norfolk General and Children's Hospital of The King's Daughters close on homes in neighborhoods like Ghent, Downtown, Ocean View, and throughout the greater Norfolkmetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the Waterside District corridor to Colonial Place, Norfolk offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the Norfolk market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Norfolk, VA
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Norfolk program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near Sentara Norfolk General, Norfolk 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 Norfolk
Sentara Norfolk General
Physicians qualify for 0% down
Children's Hospital of The King's Daughters
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 Norfolk?
Get pre-approved in minutes. No credit pull required. Zack responds same day.
Physician Mortgages in Nearby Cities
See What You Qualify For
Free · No credit pull · About 60 seconds