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Physician Mortgage Loans in Washington DC


How to Get a Physician Mortgage in Washington D.C.


To find a physician mortgage in Washington D.C., you’ll want to compare different lenders and their terms, rates, and down payment options. Connecting with a mortgage broker specializing in physician mortgage programs can simplify this process.

While all brokers can assist potential homeowners in securing financing through conventional loans, not all possess expert knowledge of physician mortgage loan programs. Given that doctor loans have specific terms and eligibility requirements, it’s crucial to find a broker that specializes in physician mortgages.

For help obtaining and comparing rates and terms from lenders in Washington D.C., fill out LeverageRx’s mortgage form. Our team has helped over 50,000 physicians and healthcare providers find the best banks and mortgage lenders for their home buying needs.

Once you have chosen a lender, you will need to complete and submit a loan application. You will also want to be prepared to provide additional documentation such as proof of employment, education, certifications, or licensing as a healthcare professional.

Where to Get a Physician Loan in Washington D.C.

Mortgage loan programs vary from state to state, and this includes the options available in Washington D.C. When seeking a physician mortgage, it is important to focus exclusively on lenders and programs available in the District. Here are nine of the best physician mortgage loan lenders for physicians in Washington D.C.


BMO offers a comprehensive physician loan program tailored to address the unique financing challenges faced by medical professionals. This program aims to overcome the barriers to homeownership that doctors often encounter, such as significant student loan debt and limited savings for the conventional 20% down payment requirement.

Here are the highlights of what BMO physician loans have to offer:

  • Designations: MD, DDS, DMD, DO
  • 95% financing up to $1.5 million*
  • 90% financing up to $2 million
  • Primary residence only
  • Mortgages available for purchase or refinance
  • Construction financing options available

BMO physician loans are available to qualified licensed medical doctors, residents, and fellows in all states except New York. Read our full BMO Physician Loan Review.


Many physicians face challenges when trying to qualify for a conventional loan to purchase real estate due to their high student loan debt. However, Evolve takes a different approach to this issue, providing an opportunity for immediate homeownership. These specialized loans recognize the unique circumstances of physicians, allowing them to overcome the traditional waiting period and achieve their homeownership goals without having to wait for several years to qualify.

Here are the highlights of what Evolve physician loans have to offer:

  • Available toMD, DO, DDS, DMD, PA, NP, DVM, CRNA, DC, OD, DPM, residents, fellows, pharmacists, and clinical nurse specialists
  • 100% financing available for up to $1,000,000
  • 95% financing available for up to $1,250,000
  • 90% financing available for up to $1,500,000
  • 85% financing available for over $2,000,000
  • Mortgages available for primary residence, co-ops, condos, land purchases, and construction financing.

Evolve Bank & Trust provides physician mortgages to medical professionals who are within 10 years of completing their residency or fellowship training. Physicians who have been practicing for over a decade are ineligible for a doctor loan. Get matched with an Evolve lender by checking your options with LeverageRx.

First Horizon

First Horizon offers physician mortgage loans to medical professionals in 14 states, primarily in the southern United States. Here are the program highlights:

  • Designations: MD, DO, DDS, DMD, CRNA, CPA, DPM
  • Available in 14 states
  • 100% financing up to $1.5MM
  • 95% financing up to $2MM
  • 90% financing up to $2.5MM
  • Can close up to 6 months prior to employment start date
  • No PMI

Get matched with a First Horizon lender by checking your options with LeverageRx.


First National Bank of Pennsylvania

Whether you are currently in training, or already an attending physician, First National Bank has created a physician loan product specifically for you. The following medical specialties are eligible: MD, DO, DDS, DMD, DVM, PharmD. 

Here are the highlights:

  • Primary or secondary residences qualify
  • Construction financing available
  • 100% financing up to $1MM
  • 90% financing up to $1.5MM
  • Purchase or refinance

Read our full First National Bank Physician Loan Review.


Fulton Bank

You are eligible for Fulton Bank’s physician loan program if you have one of the following medical specialties: MD, DO, DDS, DMD, OD, DPM, DVM, PharmD. 

Here is everything you need to know:

  • Primary residence only
  • Loan can be for purchase or refinance
  • 100% financing up to $1MM (if you are attending less than 10 years)
  • 95% financing up to $1.5MM
  • No PMI
  • Only available in 6 states

With Fulton you can choose 30 or 15-year fixed mortgages or adjustable-rate. You are also permitted up to 6% seller-paid closing costs for each loan. 

Read our full Fulton Bank Physician Loan Review.


Heritage Bank NA

Heritage Bank may be the ideal option for physicians and medical professionals who want 100% financing for home purchases. A Physician Mortgage Loan with Heritage Bank NA has a lower down payment, has a higher loan-to-value ratio, is flexible in how payments can be calculated, and has flexible repayment options

  • $0 down payment on homes up to $1MM
  • Designations: MD, DDS, DO, OD, DPM and DVM
  • Available to practicing and resident physicians 
  • No private mortgage insurance requirement
  • Move-in up to 60 days prior to starting your next position
  • Available for primary and secondary homes

Heritage Bank NA offers fixed-rate and adjustable-rate loans. Get matched with a Heritage Bank NA lender by checking your options with LeverageRx.


TD Bank

TD Bank’s physician mortgage is available for medical professionals with the following designations: MD, DO, DPM, DDS, DMD. You must be either a practicing physician, dentist, or oral surgeon, or a licensed medical or dental resident or fellow.

  • Available for purchase or refinance
  • Primary residence only
  • Single family, condo, PUD, co-op
  • 100% financing up to $750,000
  • 95% financing up to $1.25 million
  • 89.99% financing up to $1.5 million

The program is available for medical professionals who are no more than 10 years out of residency. Applicants are also required to have a TD Bank checking account in good standing.

Read our full TD Bank Physician Mortgage Review.


Truist’s physician loan is available to medical professionals with the following designations: MD, DO, DPM, DDS, DMD. This loan is available to practicing physicians,  residents and fellows. To note, Truist does not consider practicing physicians and dentists with over 10 years experience to be eligible.

  • Primary residence only
  • Purchase or refinance
  • 100% financing up to $1MM
  • 95% financing up to $1.5MM
  • 90% financing up to $2MM
  • ARMs and fixed available

The loan can be used for a single family or condo. As with all doctor loan programs, the debt-to-income requirement is relaxed and you will not pay private mortgage insurance (PMI).

Read our full Truist Physician Loan Review.

US Bank

US Bank offers physician mortgage loans to medical professionals in all 50 states. Whether you are still in training or have been practicing for a decade, US Bank will finance your new home. Here are the program highlights:

  • Designations: MD, DO
  • Primary residence only
  • 90% financing up to $1.25MM
  • 85% financing up to $1.5MM
  • 80% financing up to $2MM

You’ll notice that US Bank extends their physician loan to very few designations. Of all the doctor home loan programs on LeverageRx, USBank considers the fewest medical professionals to be eligible.  Additionally, there is no option with 100% financing. 

Read our full US Bank Physician Loan Review.