Florida continues to attract physicians nationwide, with major hospital systems, private practices, and expanding specialty networks across the state. Whether you’re relocating for a new attending position, completing residency, or transitioning into private practice, your mortgage strategy should reflect the structure of a medical career.
Physician Loan programs are specifically designed for doctors and certain licensed medical professionals. These programs account for contract-based income, high student loan balances, and accelerated earning trajectories.
I work directly with physicians across Florida to structure financing that supports both relocation timing and long-term financial planning.
A Physician Loan (Doctor Loan) is a specialized mortgage program tailored to medical professionals.
Common features may include:
Low or no down payment options
No private mortgage insurance in many cases
Flexible student loan treatment
Qualification using a signed employment contract
Higher loan limits compared to standard conforming programs
This structure can be especially valuable when purchasing soon after training or during a cross-state move.
Eligibility often includes:
MD or DO
DDS or DMD
DPM
Certain other licensed medical professionals
Guidelines vary depending on loan size and property type. For higher-priced Florida markets, we may combine physician program advantages with Jumbo or Super-Jumbo structures when appropriate.
Many physicians relocate to Florida before their first paycheck.
Physician Loan programs often allow qualification using a signed employment contract, even if employment has not yet begun.
This is especially helpful for:
Residents transitioning to attending roles
Fellows relocating to Florida hospital systems
Physicians moving from out of state
Proper documentation timing is critical to ensure underwriting aligns with your start date and compensation structure.
Medical professionals frequently carry significant student loan balances.
Traditional underwriting may calculate student loans in ways that increase debt-to-income ratios unnecessarily.
Physician Loan programs often offer more flexible treatment depending on:
Income-driven repayment plans
Deferred loans
Consolidated balances
Fixed amortized payments
Understanding your repayment structure early helps optimize qualification.
Physician Loans are commonly used across:
Miami and South Florida
Tampa Bay area
Orlando
Jacksonville
With Florida’s growing healthcare infrastructure, physician relocation continues statewide.
Florida’s real estate market includes a high volume of condominiums and coastal properties.
Depending on the property type, underwriting may involve:
Condo association financial review
Insurance verification
Flood zone analysis
Reserve and liquidity requirements
Advanced review prevents closing delays — particularly in competitive markets.
Physicians have unique financial profiles and time constraints.
I focus on:
Careful review of employment contracts
Strategic student loan positioning
Aligning closing timelines with start dates
Preparing documentation before underwriting
Clear communication throughout relocation
The goal is smooth execution during a busy professional transition.
If you’re a physician purchasing in Florida, we begin with:
Reviewing your employment contract
Evaluating student loan structure
Confirming purchase goals and location
Structuring pre-approval accordingly
From there, we design a mortgage plan aligned with both your move and long-term financial strategy.
I’m here to support you every step of the way. If you’re ready to turn your home financing goals into your new reality, let’s work together.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
Who we are
Our website address is: https://loansbylehrman.com/
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