Physician Lenders Available in Georgia  


  • -0- down payment up to $750,000 (700 min credit score)

  • 5% down payment up to $1,000,000 (700)

  • 10% down payment up to $1,500,000 (680)

  • 15% down payment up to $2,500,000 (700)

  • 25% down payment up to $3,500,000 (700)

  • Min credit score can be lowered if compensating factors are met (case by case)

  • Products available (Purchase and Rate and Term Refinance):

  • 30-year fixed

  • 25-year fixed

  • 20-year fixed

  • 15-year fixed

  • 10/1 ARM

  • 7/1 ARM

  • 5/1 ARM

  • Single Family, PUD, Townhome, and Warrantable Condos are eligible

  • Close on loan up to 90-days prior to employment start date

  • Eligible Medical Doctors: MD, DO, DPM

  • Eligible Dentists: DDS, DMD

  • Eligible Veterinarian: DVM, VDM

  • Debt Ratio Limit: 45% (Up to 50% with compensating factors)

  • Student Loans: Count IBR payment or 1% of balance

  • Down Payment CAN be a gift

  • Reserves CAN be a gift: 2-6 months depending on situation and timing


  • 100% financing for loan amounts $0 - $750,000

  • 95% financing for loan amounts $750,001 - $1,000,000

  • 85% financing for loan amounts $1,000,000 - $1,500,000

  • 80% financing for loan amounts $1,500,001 - $2,000,000

  • Must be a licensed MD, DO, DDS, DPM, or DMD

  • Primary or Second Homes (second homes are slightly lower loan-to-values)

  • Future income allowed. Must start new job within 60 days of loan closing

  • No Private Mortgage Insurance Required (No PMI)

  • Eligible Products: 15 and 30 Year Fixed Rate, 3/1, 5/1, and 7/1 Adjustable Rate

  • One-Time Close (Close one-time with one set of fees as opposed to getting a construction loan and then having to refinance the construction loan to a permanent loan when construction is complete)

  • Permanent rate is locked prior to construction close with a one-time float down option 60 days prior to conversion (This eliminates the uncertainty of rising interest rates)

  • Lending in FL, GA, AL, MS, SC, NC, and TN

Fifth Third Bank

NEW Physician Loan Program- Graduating Med Student/ Resident/ Fellow/ Attending Physician for less than 1 year (Self-employed is allowed if 2+ years)

  • 0% down payment up to $750,000

  • 5% down payment required up to $1MM

  • 700+ credit score required for 0% Down Payment up to $500,000, 720 needed if up to $750,000 (if 680-699, 5% down payment is required)

ESTABLISHED Physician Program- Attending 1+ years/ Self Employed 2+ years AND Dentists

  • 0% down payment up to $750,000

  • 5% down payment required if greater than $750K up to $1MM

  • 15% down payment required if greater than $1MM up to $1.5MM

  • No limit of years after training

  • Refinance Loans available

  • 720 Credit score required

  • DENTISTS are eligible


  • MD, DO, DPM, DDS or designations only

  • Fixed Rate (30, 20, 15 year terms) and Adjustable Rate (10, 7, 5 year terms) available

  • No Private Mortgage Insurance required

  • Allowed Property types: 1-unit, Single Family, PUD, Freddie/Fannie approved condos. Must occupy as Primary Residence

  • Construction END LOANS are available

  • Non-Permanent Resident Alien with a H1 Work VISA are acceptable (must demonstrate continued employment per guidelines)

  • Program allows physician to have a CURRENT doctor loan

  • There is no time limit on the amount of years after Residency/Fellowship

*Please complete the form to connect with the lender of choice. 


The program is available for practicing physicians with a 700+ FICO score who are purchasing a single family detached home.

  • 100% loan to $850,000 with no mortgage insurance (720 FICO)

  • Low down payment on loans up to $1.5M (710 FICO)

  • Deferred medical student debt may not affect your qualifying loan amount.

  • 80% loan to $1.75M obviously with no mortgage insurance.

  • Purchase and rate/term refinance for primary residence.

  • 5/1 and 7/1 Adjustable Rate Mortgages (ARMs)

  • MD, DDS, DMD, DO, DPM and Veterinarians accepted.

  • Non-Occupant Co-Borrowers Allowed

Regions Bank


  • Offers mortgage loans to medical physicians, including Residents, Fellows, Doctor of Dental Medicine (DMD/DDS) or Doctor of Osteopathy (DO).

  • Doctors who have been self-employed for a minimum of 3 years are eligible. For self-employed physicians, income will be averaged based upon the most recent two years business and personal tax returns.

  • 1099 income with contract is allowed – must have minimum monthly income guarantee.

  • Mortgages are available for purchases and refinances.

  • They offer fixed rate and ARMS. Available ARMS are 5, 7 and 10 years fixed. Loan terms are 30 years for ARMS.

  • Loan terms are 15 and 30 year for fixed rate mortgages.

  • No private mortgage insurance (PMI).

  • 100% financing is available.

  • For loan amounts less than $750,000, 100% financing is available. For loan amounts up to $1,000,000, 95% financing is available.

  • Student loans are not included in the debt to income ratio with sufficient documentation supporting that the student loans are currently in deferment/forbearance.

  • This loan is for primary residences only, single-family residences, and townhomes.

  • Minimum credit score is 720 for loan amounts above $453,100.

  • Minimum credit score is 700 for loan amounts below at or below $453,100.

  • Residents entering medical profession are required to have a copy of the executed written agreement as evidence of employment or future employment.

*Please complete the form to connect with the lender of choice. 

SunTrust Mortgage


For Residents, Interns and Fellows in MD and DO Programs:

  • Maximum of 100% financing* for loan amounts not to exceed $750,000

For licensed medical professionals (physicians and dentists) who have completed their residency within the last ten years:

  • Maximum of 100% financing* for loan amounts not to exceed $650,000

  • Maximum of 95% financing* for loan amounts not to exceed $1,000,000

  • Maximum of 89.99% financing* for loan amounts not to exceed $1,500,000

No monthly mortgage insurance payments

*Available only in AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA to licensed Residents, Interns, Fellows in MD and DO programs and licensed Physicians and Dentists (MD, DO, DDS, DMD) who have completed their training within the last ten years. Doctors with over ten years post training need to be members of SunTrust Private Wealth Management or belong to a practice that is part of Private Wealth Management to be eligible for this product. Subsequent time spent as a Teaching Attending does not count in this ten year period. Ten year restriction does not apply when refinancing an existing SunTrust Doctor Loan. Other program restrictions may apply, please consult your Loan Officer for details.* Borrowers should note that 100% mortgage financing will result in no property equity until such time as the loan principal is paid down through regular mortgage payments and/or the property value appreciates. Additionally, if property values decline you could owe more than your property’s value.  A down payment may be required if the property is located in a declining market or if required by state regulations.

*Please complete the form to connect with the lender of choice. 

National Lender

(The name of this bank has been omitted to comply with their trademark policies)


  • 95% Financing up to $1,000,000 (some restrictions apply)

  • 90% Financing up to $1,500,000 (some restrictions apply)

  • Maximum Loan Amount ** $1,500,000

  • Private Mortgage Insurance Not Required (No PMI)

  • Close on your home up to 60 days prior to new employment start date (with signed contract)

  • Eligible professions include Residents, MD, DDS, DMD,OD, DPM and DO

  • Student loans deferred for at least 12 months after closing not included in debt ratios.

  • Eligible Property Types One-unit Single Family, Warrantable Condos and PUDs

  • Eligible Products: 15 and 30 Year Fixed Rates. 5/1, 7/1 and 10/1 ARM (Fully Amortizing)

  • 720 credit score required

*Please complete the form to connect with the lender of choice. 


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