Doctor Mortgage Loan Program
Designed for physicians, veterinarians, dentists, and other eligible medical professionals, this program offers flexible financing, low down payment options, and no monthly mortgage insurance.
One Team for Your Home and Your Mortgage
Florida Homes & Loans is both a real estate and mortgage company, with lending provided through FHL Mortgages. You can use us to find your home, secure your mortgage, or handle both together with one team from start to finish.
That means clearer communication, fewer delays, and a smoother overall process.
Program Highlights
Quick, easy-to-read details on what makes this mortgage program different for eligible medical professionals.
Designed for Medical Professionals Across Many Fields
This program can be a strong fit for doctors, dentists, veterinarians, CRNAs, and other eligible licensed professionals.
Who May Qualify
- Minimum credit score of 680
- At least one borrower must be a licensed medical professional
- Medical residents, fellows, or interns with an eligible degree may qualify
- Primary residence only
- Available for purchase or rate/term refinance
MD, DO, DDS, DMD, PharmD, DPM, CRNA, VMD, and DVM
Why Doctor Loans Are Different
Medical professionals often have strong income potential but also unique financial profiles, especially early in their careers. Traditional mortgage programs do not always account for that well.
This program is designed to provide a more practical path to homeownership, helping eligible borrowers move forward with more flexibility and less cash needed up front.
Ready to See What You Qualify For?
Whether you are ready to buy now, exploring your financing options, or just starting your home search, we can help you with the mortgage, the home search, or both.