Best Physician Mortgage Loans
for 2026
Zero down payment. No PMI. We analyzed the top lenders offering exclusive home loan programs for doctors.
At a Glance: The "Big 5"
Huntington Bank
The Good
- $0 Down up to $1 Million
- Low fixed rates available
- Excellent customer service reputation
Best For
The Bottom Line: If you are in their footprint (Midwest/East), Huntington is often the unbeatable choice for your first home. The ability to buy a $1M home with zero down payment is a massive advantage for new attendings.
TD Bank
The Good
- Up to $2 Million with roughly 10% down
- Flexible DTI calculations
- Allows closing before starting job (up to 90 days)
Best For
The Bottom Line: For physicians in high-cost-of-living areas (NYC, Boston, Philly), TD Bank is a top contender. Their willingness to lend large amounts with relatively small down payments makes luxury markets accessible.
BMO
The Good
- One of the few with a Physician Construction Loan
- Up to $2 Million loan amounts
- Competitive ARMs (Adjustable Rate Mortgages)
Best For
The Bottom Line: If you plan to build your dream home or do a massive renovation, BMO is the specialist you need. Most physician loans are for existing homes only, making BMO a unique player.
Truist
The Good
- Available in many states across the US
- Up to 100% financing for specific loan amounts
- Solid digital banking experience
Best For
The Bottom Line: Truist (formerly SunTrust/BB&T) helped invent the physician mortgage. They have a very mature, reliable program that works for the vast majority of doctors.
KeyBank
The Good
- Loans available up to $3.5 Million
- Personalized relationship banking
- Can use 1099 income effectively
Best For
The Bottom Line: If you are looking to buy a "Forever Home" in the $2M-$3M+ range, KeyBank is one of the few lenders who can facilitate that with physician-friendly terms.
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