For Medical Professionals — Northern Colorado
A physician loan built for the way you actually earn.
You finished years of training, you are earning well, and you have real student debt. Standard lenders penalize that picture. Physician loan programs were built for it.
Serving medical professionals across Fort Collins, Greeley, Loveland, Timnath, Windsor, and Severance — and throughout Northern Colorado.
What makes a physician loan different.
These are not marketing points — they are structural differences that change what you qualify for and what you pay every month.
Low or Zero Down Payment
Most physician loans allow you to purchase with 0–10% down — without the penalties that come with conventional loans at that threshold. Your career trajectory is the asset. A large down payment should not be the barrier between you and homeownership.
No Private Mortgage Insurance
Conventional loans require PMI when you put less than 20% down. Physician loans waive PMI entirely for qualifying medical professionals — saving you hundreds per month over the life of the loan.
Student Debt Handled Differently
Most lenders count your full student loan payment against your debt-to-income ratio. Physician loan programs either exclude deferred student debt entirely or use a much smaller calculation — which can dramatically increase what you qualify for.
By the Numbers
See the difference on a $750,000 home.
A medical professional buying in Northern Colorado has three realistic paths. Here is what each one actually costs — the money you need upfront, what you pay every month, and how much insurance alone costs you over five years.
Conventional
25% down
FHA
3.5% down
Physician Loan
0% down
$484 less per month than FHA
These are estimates for illustration purposes only. Actual rates, fees, and payments will vary based on your credit profile, lender, and market conditions at the time of application. FHA availability at this price point depends on county loan limits. Not a commitment to lend. Stevie de Gala, NMLS# 2845865.
One more thing worth knowing: a physician loan is not a forever decision. Once your student debt is paid down, your savings have grown, or it simply makes financial sense to switch — you can refinance into a conventional loan with better long-term terms. It gets you into the home now, on your terms, without waiting years to meet a conventional lender's checklist.
Physician Loan
Which programs do I qualify for?
Enter your details below to see which physician loan programs fit your situation. This is an estimate — exact terms depend on your full file.
Qualifying Professions
Is your degree on this list?
Physician loan programs extend well beyond MDs. If you hold one of these credentials — or are currently in residency or a fellowship — you likely qualify.
Not sure if your specific situation qualifies? That is what the call is for. Program rules vary by lender — I know which programs are most flexible and which give you the best terms for your career stage.
Residents & Fellows
Still in training? You can still qualify.
Many physician loan programs accept a signed employment contract in lieu of pay stubs or W-2s — which means residents and fellows can qualify before their attending salary starts. If you are relocating to Northern Colorado for a residency or fellowship, let's talk about your options now.
How it works.
01
Free 15-minute call
Tell me where you are in your career — resident, fellow, or attending — and what you are looking to buy. No forms, no pressure. Just an honest assessment of your options.
02
I match you to the right program
Multiple lenders offer physician loan products, and the terms vary significantly. I compare them side by side and show you which program gives you the best rate, structure, and cost for your specific situation.
03
I handle the details
Physician loan documentation can be nuanced — especially for residents with employment contracts instead of W-2s. I know what each lender needs and make sure your file is structured to close.
04
You close and move forward
Clear terms, no surprise fees, and a real person to call throughout the process. Whether you are relocating for a residency or buying your first attending home, you always know where things stand.
Let's find out what you qualify for.
A free 15-minute call. No forms. No pressure. Just clarity on your options.