For Physicians, Dentists & Medical Professionals

Your Debt-to-Income Ratio Wasn't Built for Doctors.

Standard mortgages weren't designed for someone with six-figure student debt today and a six-figure income tomorrow. The Doctor Loan Program was.

See My Loan Options → Call Daniel Now

Sound Familiar?

You Trained for This. Your Mortgage Options Should Too.

A standard underwriting algorithm sees your student loan balance and your current paycheck — not the specialty you just matched into or the income that's about to change everything. It doesn't know the difference between a resident and someone who'll never finish training.

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Your DTI Looks Scary

Student loans make your debt-to-income ratio look impossible, even though your income is about to change dramatically.

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Thin Credit History

Years of school and training mean a shorter credit file than a standard underwriter expects to see.

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Algorithms Say No

A computer doesn't know your income triples the day you finish residency. A person reviewing your file does.

Built Around Where You're Headed, Not Just Where You Are

Every Doctor Loan file is manually underwritten by a real person — not an algorithm.

✓ Options available with $0 down

✓ Residency & fellowship income accepted

✓ Deferred/IDR student loans can be excluded from DTI

✓ Every file manually underwritten

✓ Physicians, dentists, PA, NP, CRNA & more

✓ Three program tiers to fit your situation

Daniel Taylor

Mortgage Loan Originator · NEXA Lending · NMLS# 2703683

"Every week I talk to residents and new physicians who assume they have to wait years to buy. Most of them don't. Bring me your actual numbers — degree, income timeline, debt — and let's see what's really possible."

See Which Doctor Loan Fits You

No obligation, no impact to your credit to have a conversation. Let's match you to the right program — or tell you honestly if a different one serves you better.

Explore Doctor Loan Options →