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Physician Mortgage Loans in Louisiana


How to Get a Physician Mortgage in Louisiana


For physicians looking to secure a physician mortgage in Louisiana, here are some steps to guide you through the process. Comparing different lenders and understanding their terms, rates, and down payment options is crucial. To make this task easier, consider connecting with a mortgage broker who specializes in physician mortgage programs.

While any broker can assist you in finding financing through conventional loans, it’s essential to find a broker with expertise in physician mortgage loan programs. Doctor loans often have unique terms and eligibility requirements, so finding a broker with specific experience in this area is important.

To begin exploring rates and terms from lenders in Louisiana, you can reach out to LeverageRx. Our dedicated team has assisted over 50,000 physicians and healthcare providers in finding suitable banks and mortgage lenders for their home buying needs.

Once you’ve identified your preferred lender, you’ll need to complete and submit a loan application. Prepare to provide additional documentation, such as proof of employment and proof of your education, certifications, or licensing as a healthcare professional.


Where to Get a Physician Loan in Louisiana


Keep in mind that mortgage loan programs vary from state to state. You’ll want to focus your search on lenders and programs available specifically in Louisiana. 

Here are six reputable physician mortgage loan lenders for physicians in the state of Louisiana.



BMO understands the unique challenges that medical professionals in Louisiana face when it comes to purchasing a home. These challenges often include high student loan debt and limited savings, making it difficult to meet the 20% down payment requirement for conventional loans. To address these obstacles, BMO offers a specialized physician loan program tailored to meet the needs of healthcare professionals in Louisiana. Here are the key highlights of BMO physician loans in Louisiana:

  • Eligible designations: MD, DDS, DMD, DO
  • Up to 95% financing for loans up to $1.5 million
  • Up to 90% financing for loans up to $2 million
  • Limited to primary residences
  • Available for both home purchases and refinancing
  • Construction financing options available

BMO physician loans are open to qualified licensed medical doctors, residents, and fellows in all states except New York. To gather more comprehensive information about BMO’s physician loan program, we recommend reading our complete BMO Physician Loan Review. 



Evolve Bank & Trust offers physician loans that provide an immediate path to homeownership, eliminating the need for years of waiting to qualify. Here are the key highlights of Evolve physician loans for medical professionals in Louisiana:

  • Eligible professions: MD, DO, DDS, DMD, PA, NP, DVM, CRNA, DC, OD, and DPM.
  • 100% financing available for loan amounts up to $1,000,000.
  • 95% financing available for loan amounts up to $1,250,000.
  • 90% financing available for loan amounts up to $1,500,000.
  • 85% financing available for loan amounts exceeding $2,000,000.
  • Applicable for primary residences, co-ops, condos, land purchases, and construction financing.

It’s important to note that Evolve Bank & Trust specializes in physician mortgages for medical professionals who are within 10 years of completing their residency or fellowship training. Unfortunately, physicians who have been practicing for over a decade are not eligible for these specialized doctor loans. To explore alternative options and find the right lender in Louisiana, contact LeverageRx.


First Horizon

First Horizon provides physician mortgage loans for a range of medical professionals in multiple states, including Louisiana. Here are the program highlights for Louisiana:

  • Eligible professions: MD, DO, DDS, DMD, CRNA, CPA, DPM.
  • 100% financing available for loan amounts up to $1.5 million.
  • 95% financing available for loan amounts up to $2 million.
  • 90% financing available for loan amounts up to $2.5 million.
  • Opportunity to close up to 6 months prior to the start date of employment.
  • No requirement for private mortgage insurance (PMI).

To find a First Horizon lender in Louisiana, you can explore your options with LeverageRx. They can help you identify suitable lenders who offer physician mortgage loans in your state.


Heritage Bank NA

If you are a physician or medical professional in Louisiana looking for 100% financing options for purchasing a home, Heritage Bank NA is a great choice to consider. Here are the key highlights of Heritage Bank NA’s physician mortgage loan program in Louisiana:

  • $0 down payment on homes up to $1 million.
  • Eligible Designations: MD, DDS, DO, OD, DPM, and DVM.
  • Available for both Practicing and Resident Physicians.
  • No Private Mortgage Insurance (PMI) Requirement.
  • Move in up to 60 days prior to starting your next position.
  • Available for both Primary and Secondary Homes.
  • High loan-to-value ratios.
  • Fixed and adjustable-rate loan options are available.

Heritage Bank NA’s physician mortgage loan program offers convenience, flexibility, and attractive terms to assist medical professionals in achieving homeownership. To explore your options and take the next step towards owning a home, explore your choices with LeverageRx



Truist offers a physician loan program specifically designed for medical professionals in Louisiana. If you are a physician, resident, or fellow with the designations MD, DO, DPM, DDS, or DMD, you are likely eligible for this program. It is important to note that Truist does not consider practicing physicians and dentists with over 10 years of experience as eligible.

Here are the key features of Truist’s physician loan program in Louisiana:

  • Limited to primary residences only.
  • Available for both home purchase and refinancing.
  • 100% financing up to $1 million.
  • 95% financing up to $1.5 million.
  • 90% financing up to $2 million.
  • Adjustable and fixed-rate options are available.
  • Can be used for single-family homes or condos.

Truist’s physician loan program offers relaxed debt-to-income requirements and eliminates the need for private mortgage insurance (PMI). For more detailed information about Truist’s physician loan program, you can read our comprehensive Truist Physician Loan Review.


US Bank

US Bank provides physician mortgages to medical professionals in all 50 states, including Louisiana. Whether you are currently in training or have been practicing for a decade, US Bank offers financing options for your new home. Here are the program highlights:

  • Eligible Designations: MD, DO
  • Limited to primary residences only
  • 90% financing available up to $1.25 million
  • 85% financing available up to $1.5 million
  • 80% financing available up to $2 million

It’s important to note that US Bank only offers their physician loan program to MDs and DOs, making it more exclusive than other physician home loan programs on LeverageRx. Additionally, US Bank does not provide a loan option with 100% financing.

For more comprehensive information about US Bank’s physician loan program, read our full US Bank Physician Loan Review.