11 Best Physician Mortgage Loans in Florida


Key Takeaways:

  • Medical doctors and dentists can access exclusive benefits with physician mortgage loans in Florida.
  • There’s no private mortgage insurance (PMI) requirement with a physician mortgage loan, regardless of your down payment amount.
  • Florida physician mortgage loans are a great alternative to jumbo loans, with loan amounts of up to $2 million.

Physicians and dentists often find themselves in a position of balancing massive amounts of student debt with their dream of owning a home. But it doesn’t have to be an either-or situation thanks to physician mortgage loans in Florida.

The Florida real estate market continues to experience a lot of volatility. According to Florida Realtors recent housing data, the median home purchase price statewide in 2021 was $358,950, up 17.7% from 2020. In 2022, demand stabilized and many luxury homes sat on the market far longer.

With a Florida physician loan, you’ll have an edge that makes your offer stand out. It could also give you a broader range of properties to purchase compared to other borrowers who can only access conventional, conforming loan options. Plus, in Florida, you have one of the most competitive doctor mortgage marketplaces in the country. Most every bank that offers physician mortgages makes their program available in Florida due to easier regulations.

Let’s look at how physician mortgage loans in Florida can benefit you.

How a Florida physician mortgage works

A physician mortgage loan can make homeownership a reality much sooner than a conventional mortgage. This type of loan, sometimes called a doctor loan program, is typically available to physicians and dentists. However, depending on the lender, other high salary professions that carry high student debt might also be eligible.

For example, some physician mortgage loans in Florida include veterinarians as a qualifying profession. Other lenders might include architects, attorneys or other six-figure healthcare professionals like nurse anesthetists.

You can start your search process with the form below or keep reading.

Get Quotes for Your Doctor Mortgage

What mortgage product would you like a quote for?

Step 1: Job

Step 2: Home

Step 3: Your Info

What is Your Occupation Status Currently?


What most closely represents the price range of the house you’re searching for?

What is your preferred down payment?

What stage are you at in the home buying process?

How soon do you hope to secure a mortgage approval?

How many banks would you like quotes from?

Have you experienced any bankruptcies or short sales?

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