Doctor Loan Program: Helping Medical Professionals Buy Smarter
If you’re a medical professional, your path to homeownership doesn’t look like everyone else’s and your mortgage shouldn’t either.
Between student loan debt, delayed income timelines, and complex financial profiles, traditional lending guidelines don’t always tell your full story. That’s exactly why the Doctor Loan Program exists.
At Park Place Collective, we specialize in structuring financing solutions that align with your career trajectory not hold it back.
A Doctor Loan (also known as a Physician Mortgage) is a specialized home financing program designed specifically for medical professionals.
Unlike conventional loans, this program takes into account:
Future earning potential
Student loan structure
Unique employment contracts
Rapid income growth paths
The result? A smarter, more flexible way to qualify.
Our Doctor Loan Program is built to remove common barriers and create opportunity:
Minimum Credit Score: 680
Loan-to-Value (LTV): Up to 100% financing available
Minimum LTV: 90.01%
Maximum Loan Amount: $2,000,000
Occupancy: Primary residence only
This means eligible borrowers can purchase a home with little to no down payment while preserving liquidity for other financial priorities.
This program is tailored for:
Physicians (MD, DO)
Dentists (DDS, DMD)
Medical residents & fellows
Veterinarians
Other licensed medical professionals
Traditional mortgage guidelines often penalize medical professionals for:
High student loan balances
Limited employment history post-residency
Deferred income structures
But the reality is very different.
You’ve invested years into your career and your income trajectory reflects that. The Doctor Loan Program is designed to recognize that reality and position you to buy now, not years from now.
Working with the right lending team can make all the difference.
At Park Place Collective, we go beyond just approval. We help you:
Structure your financing strategically
Preserve cash and reserves
Navigate timing around contracts or residency completion
Position your offer to win in competitive markets
Because in today’s environment, speed, structure, and strategy win deals.
Whether you’re relocating for a new position, finishing residency, or simply ready to own instead of rent, this program gives you the flexibility to move forward with confidence.
And with financing up to 100% LTV, you can keep your capital working for you—rather than locking it into a down payment.
Every medical professional’s situation is different. That’s why we take a personalized approach to every loan strategy.
For more information or to explore your options:
Contact:
Joe Costa
Park Place Collective
Office: 619-990-7552
Direct: 646-245-7856
www.parkplacecollective.com
