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Specialty Financing

Doctor Mortgage Loans                                         in Connecticut & Florida

Specialized home financing programs for eligible physicians, dentists, veterinarians, podiatrists, and other medical professionals — with guidelines designed around how doctors actually earn and borrow.

A Mortgage Built Around Your Career

Medical professionals face a financial profile that traditional mortgage underwriting wasn't designed for: significant student loan debt, a delayed start to earning, and income that may look different on paper than it does in practice. Doctor mortgage programs address these realities directly.

As a wholesale mortgage originator with access to more than 100 lenders, I work with institutions that offer physician loan programs, dentist mortgage options, and specialty financing for a wide range of eligible healthcare providers. Whether you're finishing residency, starting a new practice, or buying your first home as an attending, I can help you explore what's available.

All programs are subject to credit approval, underwriting review, property eligibility, and current lender guidelines. Terms vary by lender and borrower profile. This is not a commitment to lend.

Who May Be Eligible

Doctor mortgage programs vary by lender. Eligible borrowers commonly include:

  • Medical doctors (MD, DO)
  • Dentists and oral surgeons (DDS, DMD)
  • Veterinarians (DVM, VMD)
  • Podiatrists (DPM) & Nurse Practitioners (NP)
  • Residents and fellows with an employment contract
  • Other licensed healthcare professionals, depending on the lender

Common Program Features

Features vary by lender and program. Common characteristics of doctor mortgage loans include:

Low or no down payment options on eligible purchases
No private mortgage insurance (PMI) on select programs
Student loan debt may be treated more favorably in qualifying
Employment contracts may be accepted in lieu of pay stubs
Available for primary residences
Fixed and adjustable rate options available

Doctor Mortgage Loans in Connecticut

Connecticut is home to a strong healthcare community, with major medical centers, hospital systems, and private practices throughout the state. Eligible medical professionals purchasing or refinancing a primary residence in Connecticut may have access to physician loan programs through lenders I work with.

Whether you're relocating for a position at a Connecticut hospital, buying near a practice in Fairfield County, Hartford, New Haven, or elsewhere in the state, I can help you understand what programs may be available based on your situation.

Paul Blanchard is licensed in Connecticut — NMLS# 2365204.

Doctor Mortgage Loans in Florida

Florida's growing population and expanding healthcare sector make it an active market for medical professionals at every stage of their careers. Eligible physicians, dentists, and other healthcare providers purchasing a primary residence in Florida may qualify for specialty mortgage programs.

From South Florida to the Tampa Bay area and beyond, I work with borrowers across the state to explore available options and guide them through the process.

Paul Blanchard is licensed in Florida — NMLS# 149758.

Your Career is Unique.                                                                                                     Your Mortgage Options should be too.

Whether you're beginning your residency, joining a practice, or buying your next home, I'll help you explore mortgage options designed for eligible medical professionals.

With access to more than 100 lenders, I can compare financing solutions to find the right fit for your goals. And you'll work directly with me, from our first conversation through closing.  No pressure. Just a conversation about your options.

Exploring other specialty programs?

View DSCR investor loans, HELOC, and non-traditional income programs.

View All Specialty Programs

Free Consultation

Let's Talk About Your Options

Fill out the form and Paul will personally reach out to walk you through your options. No obligation.

Licensed in CT & FL · NMLS #2365204 · Not a commitment to lend.