Who is eligible?
- Licensed residents, interns, and fellows in MD, DO, and DPM programs
- Medical Doctors (MD)
- Doctors of Osteopathy (DO)
- Doctors of Dental Medicine (DMD/DDS)
- Psychiatrists licensed as Medical Doctors
- Doctors of Podiatric Medicine (DPM)
South Florida physician home buying
Doctor Loan Program Guidance
Your career is demanding.
Your home search shouldn't be.
Private home search support and physician-focused financing clarity for doctors, dentists, residents, fellows, and specialists.
Trusted by physicians, dentists, residents, and specialists across South Florida.
100% Doctor Loan Program
A clearer way to buy before your schedule slows down.
Qualified doctors may be able to access doctor loan options up to $2,500,000, with 100% financing paths on eligible loan amounts and flexible underwriting designed around medical careers, student debt, and training timelines.
Mercedes keeps the process practical: understand the loan path, compare neighborhoods, and move confidently when the right home appears.
100%Financing paths for qualified buyers$2.5MMaximum loan option depending on eligibility
Loan amounts, financing percentages, and program availability depend on lender guidelines, borrower qualification, and final underwriting.
- No mortgage insurance requirement
- Student loan debt flexibility
- Physician-focused search guidance
Program details & highlights
Built for physicians, dentists, residents, fellows, and specialists.
Program Highlights
- No mortgage insurance requirement
- Specifically developed for interns, residents, and fellows in MD, DO, and DPM programs.
- 100% financing available on loans up to $1,500,000.
- Student loan debt flexibility.
| Mortgage Doctor Loan Program features | Maximum loan amount | Financing available up to |
|---|---|---|
| During internship, residency, and fellowship in MD, DO, and DPM programs | $1,500,000 | 100% |
| Physicians and Dentists (MD, DO, DDS, DMD, DPM)Fewer than ten years since completion of training (residency or fellowship) | $1,500,000 | 100% |
| Fewer than ten years since completion of training (residency or fellowship) | $2,000,000 | 95% |
| Fewer than ten years since completion of training (residency or fellowship) | $2,500,000 | 90% |
| Ten to fifteen years since completion of training (residency or fellowship) or fifteen or more years since completion of training for Truist Wealth clients* | $2,500,000 | 90% |
*Program availability, underwriting, and financing terms may vary by lender and borrower qualification.
The concierge journey
A better experience from first call to closing.
1
Loan fit
We align options around physician-friendly paths and the timing of your move.
2
Neighborhood brief
Shortlists focus on commutes, schools, lifestyle, and long-term resale sense.
3
Private showings
Tours are handled around your schedule with a calm, confidential process.
4
Close with confidence
You get negotiation, clear communication, and a smooth path to closing.
About Mercedes
Doctor Loan Clarity
Navigate Doctor Loan Programs with confidence and secure the financing that works for you.
Schedule-Aware Search
I align with your schedule and move quickly on the right opportunities without the extra noise.
South Florida Guidance
Neighborhood expertise from Broward to Palm Beach helping you find the right fit, not just a house.
Let's find your
next home.
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Discreet. Responsive. Results.