The Home Loan That Understands Your Career
Physician mortgages with little or no money down, no mortgage insurance, and student loan debt handled the way it should be. Answer a few questions and we will name the one lender whose published rules fit your situation.
✓ Free. No credit check to get matched.
HouseCall is not a lender. We match you to one lender based on your exact situation.
The right lender, not a list
Other sites send your info to a list of lenders and let you get harassed with endless calls and texts. We match you to a physician lender whose program covers your degree, your state and your stage.
Built for medical careers
Residents, fellows and attendings. Employment contracts count as income, even before day one.
No cost to you
Our service is free to physicians. Seeing your match costs nothing and puts you under no obligation.
Most Lenders Do Not Know What to Make of Your Situation
You have six figures of student debt, an income that is about to change completely, and a signed contract for a job that has not started yet. On a standard application that reads as risk.
To the right lender it reads as one of the safest loans they will write all year. The hard part is finding that lender, because they do not all use the same rules and several publish none at all.
What a Physician Loan Actually Gets You
No Private Mortgage Insurance
On a conventional loan with less than 20% down, PMI runs roughly 0.46% to 1.50% of the loan every year. On a $700,000 loan that is $270 to $875 a month you simply do not pay.
Little or No Down Payment
Programs commonly publish 100% financing up to around a million dollars, with the down payment stepping up from there. Those are published program terms, not promotions.
Student Loans Handled Differently
Some programs publish that student loans deferred well past closing are not counted in your debt-to-income ratio at all. On median medical school debt, that one rule is worth more than your interest rate.
Close Before You Start Work
Published windows run from about 60 days out to 150 days before you relocate or begin a new position, with 90 days the most common, on a signed employment contract and an employer letter. You can be moved in before orientation.
Higher Limits
Programs commonly reach past two million dollars, well beyond the 2026 conforming limit of $832,750. Physician loans often compete best exactly where conventional lending gets expensive.
No lender offers all of these on the same terms, and those differences are exactly what decides where you should apply. Sorting that out is the part we handle for you.
Matched on the Things That Actually Decide It
Five things decide which lender is right for you: your degree, your training stage, how your student loans are counted, your loan amount against your down payment, and whether the bank lends in your state.
Change any one of them and the answer changes. We match you against all five.
Then we send your information to one lender. Not a list. You will not spend the next week fielding calls from banks you never chose.
Three Steps, About Two Minutes
Tell Us About Your Situation
Your degree, where you are in training, the state you are buying in, and the numbers you have in mind. No credit check, and nothing you need to dig up first.
Meet Your Match
We match you with an experienced lender whose loan options align with your situation, and we tell you why they are a fit. You see the match before anyone contacts you.
Talk to Them
They reach out and you take it from there. HouseCall does not make loans or quote rates, and we take charge you nothing.
Answers Before You Start
Usually not. Many physician lenders will lend on a signed employment contract and close before your start date, commonly up to 90 days ahead and sometimes as much as 150.
Generally no. Physician loan programs treat student debt differently from conventional underwriting, which is the main reason they exist.
Often between 0 and 10%, depending on the lender, the loan size and your degree.
Getting matched does not involve a credit check. Any credit pull happens later, with the lender, and only with your permission.
Nothing. Lenders pay us. You never do.
Sometimes. It varies by lender, which is one of the things the match accounts for.
No. A conventional denial often says more about the underwriter than about you.
Find Out Who You Should Talk To
Two minutes, no credit check, and no cost to you. We will tell you which lender fits and why.