Doctors, nurses, pharmacists, therapists, and healthcare workers may qualify for up to $4,500 in homebuyer rebates, preferred mortgage rates, physician loan programs, and exclusive savings through the OYH trusted partner network.
Select your role to confirm your eligibility.
OYH medical professional programs recognize the full spectrum of healthcare workers — from attending physicians to nursing staff to allied health and behavioral health professionals.
If you work in healthcare in any capacity — including medical administration, healthcare IT, or clinical support roles — we'll confirm eligibility as part of a free, no-obligation review.
Physician mortgage loans (also called doctor loans) are a specialized loan program designed for MDs, DOs, DDS, DMD, residents, and fellows. They allow high earners with significant student debt to buy a home without a down payment — and without PMI — even when their debt-to-income ratio would disqualify them from conventional financing.
Residents and fellows can often use their offer or employment contract to qualify — meaning you don't have to wait until you're attending to buy. This is one of the most powerful and least-known programs for medical professionals entering the homebuying market.
$0 to 5% depending on loan amount and lender — no PMI required regardless of down payment size.
Student loans in deferment or income-driven repayment may be excluded or treated differently — significantly improving debt-to-income ratios.
MD, DO, DDS, DMD, DVM, residents, fellows, and in some cases NPs, CRNAs, PAs, and PharmDs. Eligibility varies by lender.
Many lenders accept a signed offer letter or contract up to 90 days before your start date — so you can close before your first day.
OYH consolidates multiple programs so eligible healthcare professionals get every dollar of benefit available — without spending hours identifying and navigating programs themselves.
Eligible medical professionals working within the OYH trusted partner network may qualify for up to $4,500 in rebates and incentives at closing. Availability and amounts vary by program and location.
Physician mortgage loans for eligible MDs, DOs, DDS, residents, and fellows — no down payment, no PMI, student debt excluded from DTI calculation in many cases.
OYH connects eligible healthcare professionals with our featured mortgage partner, Direct Rate, for preferred rates and reduced fees within the OYH trusted partner network.
Get matched with a vetted agent who understands healthcare schedules, rotating shifts, residency timelines, and relocation needs across hospital systems.
Relocating for a residency, fellowship, or new hospital position? Our relocation program helps medical professionals navigate both sides of a cross-market move nationwide.
If your credit score needs improvement — especially if student loan debt has impacted your profile — our in-house credit repair team builds a personalized plan to get you to qualifying range.
Healthcare professionals earn strong incomes — but the path to get there creates unique financial complexities that standard mortgage underwriting often doesn't handle well.
The average medical school graduate carries $200,000+ in student debt. Even high earners find that this debt load pushes debt-to-income ratios past conventional loan limits — which is exactly why physician loans exist.
A resident earning $60,000 with $250,000 in student debt doesn't look like a strong borrower on paper — but as an incoming attending, their earning trajectory is dramatically different. Standard lenders don't account for this. Physician loans do.
On-call schedules, 24-hour shifts, and rotating departments make the standard 9-to-5 real estate process impractical. Our network works around your schedule — not the other way around.
Residency, fellowship, and attending positions often require relocating — sometimes across state lines. Without a trusted national network, this process can be incredibly stressful and expensive.
We know healthcare schedules don't follow business hours. Our process is designed to fit your life — evenings, weekends, or whenever you have a window between shifts.
Fill out the form. We confirm your healthcare role and identify every benefit program and loan option available for your specific situation and location.
We match you with a vetted agent and mortgage advisor who understand healthcare income structures, residency timelines, and your schedule.
We layer your physician loan eligibility, OYH rebates, preferred mortgage rates, and any state or local programs — maximizing your total benefit at closing.
Your team guides you from offer to close. Rebates and incentives are applied at closing — and you get a team that manages the details so you can stay focused on your patients.
Medical professional income — 1099 locum pay, shift differentials, signing bonuses, production income, residency stipends — can be challenging for standard lenders to document fairly. Our featured trusted partner, Direct Rate, has experience with healthcare income structures and physician loan programs, and delivers preferred rates to OYH network members.
You are always free to work with the lender of your choice.
Preferred rates available through Direct Rate, LLC, NMLS #2320473, within the OYH trusted partner network. Not required to use. Subject to eligibility, underwriting, and approval.
OwningYourHouse.com connects eligible medical professionals with our featured trusted mortgage partner, Direct Rate, for preferred rates and expert guidance. You are always free to work with the lender of your choice — but OYH network members may qualify for preferred rates and reduced fees when financing through Direct Rate.
Preferred rates available through Direct Rate, LLC, NMLS #2320473, when financing within the OYH trusted partner network. Not required to use. Subject to eligibility and approval.
Medical professional benefits can often be combined with other OYH programs. Check each to see what stacks for your situation.
Clear answers to the questions healthcare professionals ask most when exploring homebuying programs.
A free eligibility check takes minutes. We'll confirm your status, identify every program and loan option available to you, and connect you with the right team — on your schedule.