Doctor Loan Central Florida —
Buy Before Your First Paycheck Arrives.
Physicians, residents, dentists, and fellows at AdventHealth, Orlando Health, and Lake Nona Medical City use physician mortgage programs to close with 0% down, no PMI, and student debt excluded from qualification — even before their contract start date.
Tell Me About Your Situation.
What Is a Physician Mortgage Loan?
A physician mortgage — also called a doctor loan — is a specialized home loan program designed specifically for medical professionals. It exists because physicians face a unique financial situation: high earning potential, but significant student loan debt and limited savings early in their careers.
Traditional mortgage underwriting penalizes high student debt and requires 20% down to avoid PMI. Physician mortgage programs are specifically designed to work around both obstacles — giving medical professionals access to homeownership at the moment they need it most.
You can close on a home up to 90 days before your employment start date using a signed offer letter. No pay stubs needed. In most physician loan programs, your student loans are excluded entirely from your debt-to-income calculation.
Doctor Loan vs. Conventional Mortgage
| Feature | Doctor Loan | Conventional |
|---|---|---|
| Down Payment | ✓ 0% available | 3–20% required |
| PMI Required | ✓ No PMI ever | Yes, if <20% down |
| Student Debt DTI | ✓ Excluded / IDR | 1% of balance |
| Offer Letter OK | ✓ Up to 90 days | Pay stubs required |
| Loan Limits | ✓ Up to $2M+ | $832,750 cap |
| PMI Savings | ✓ $200–$800/mo saved | $0 savings |
What Physician Mortgage Programs Offer
Here's exactly what makes physician loans different from conventional mortgage programs available in Florida.
0% Down Payment
No down payment required on many programs. Some offer 5–10% down for higher amounts. Keep your savings for moving costs, furnishings, or your emergency fund. 100% financing available up to $1.5M–$2M with qualifying credit.
No PMI — Ever
Private Mortgage Insurance adds $200–$800/month to conventional loans when you put down less than 20%. Physician programs eliminate PMI entirely — saving you $17,000–$40,000+ over the years it takes to reach 20% equity.
Student Debt Excluded
Most programs exclude student loans from your DTI calculation entirely, or use your actual IDR payment (typically $300–$575/month) instead of the conventional 1% of balance. This is the single biggest advantage for most physicians.
Offer Letter Accepted
Qualify using a signed employment offer letter up to 90 days before your start date. No pay stubs, no W-2s, no employment history required. Perfect for residents and attendings relocating before their contract begins.
High Loan Limits
Loan amounts up to $1M–$2M+ depending on lender and program — well above the 2026 conforming limit of $832,750. Covers the full range of Central Florida homes from Kissimmee to Lake Nona Medical City.
Who Qualifies
MD, DO, DDS, DMD, PharmD, DPM, OD, DC, DVM, CRNA, and more. Residents, fellows, and attendings all qualify. Some programs extend to NPs and PAs. Bernard matches you to the right program for your designation.
Home Prices by Market — 2026 Data
Central Florida is one of the fastest-growing medical corridors in the country. Here's what you need to know about each market.
Lake Nona & Medical City
UCF College of Medicine · Nemours · VA Medical Center
Central Florida's premier medical corridor with UCF College of Medicine, Nemours Children's Hospital, the VA Medical Center, and a growing cluster of research institutions. Physician loan limits up to $2M cover the full range.
Orlando & Dr. Phillips / Windermere
Orlando Health · Arnold Palmer · AdventHealth Orlando
Multiple campuses across the metro including Arnold Palmer Hospital and Dr. Phillips. The Orlando metro median sale price is approximately $400K–$410K. Popular neighborhoods for physicians looking for established communities with top schools.
Kissimmee & Celebration
AdventHealth Kissimmee · AdventHealth Celebration
One of the region's largest healthcare systems with campuses across Kissimmee and Celebration. Kissimmee's median sale price sits around $350K–$360K with homes averaging 64 days on market — strong value for physicians within 20 minutes of most major campuses.
Poinciana & St. Cloud
HCA Florida Poinciana Hospital · Osceola Regional
Serving the Kissimmee and Poinciana corridors with strong value. More affordable entry points for physicians — ideal for residents and early-career professionals building wealth. Bilingual community with strong family-oriented neighborhoods.
Relocating to One of These? Call Bernard First.
Bernard helps physicians at every major Central Florida hospital system find the right home and the right physician loan program.
🏥 Lake Nona Medical City
UCF College of Medicine, Nemours Children's Hospital, VA Medical Center, and research institutions. One of the fastest-growing medical campuses in the Southeast.
🏥 AdventHealth System
Campuses across Kissimmee, Celebration, and Orlando — one of Florida's largest healthcare systems with opportunities across multiple specialties.
🏥 Orlando Health
Multiple campuses including Arnold Palmer Hospital for Children, Winnie Palmer for Women, and Dr. Phillips Hospital. Major teaching hospital and trauma center.
🏥 Osceola Regional & HCA Poinciana
Serving the Kissimmee and Poinciana corridors. More affordable entry points for physicians — homes from $300K–$500K with strong appreciation potential.
Physicians Call Direct — Bernard Answers Personally
No forms. No wait. No call center. Tell Bernard your employer, your timeline, and your budget — and get a real answer in one call.
📞 Call or Text: 863.223.2294Bilingual · English & Spanish · Responds within the hour · Available 7 days
How Bernard Helps Physicians Close Fast
Most physicians relocating to Central Florida are under time pressure. Here's the process Bernard uses to close quickly and cleanly.
Call Bernard
One conversation to understand your timeline, employer, designation, and budget. Bernard identifies which physician loan programs fit your specific situation.
Get Pre-Approved
Bernard connects you with physician mortgage lenders who understand medical careers. Pre-approval using your offer letter — no pay stubs required.
Find Your Home
Homes matched to your commute, lifestyle, and budget. In-person or virtual tours for out-of-state relocations. Full neighborhood analysis before you offer.
Close & Move In
Bernard coordinates the entire closing — inspections, title, lender communication. Most physician loans close in 21–30 days. You're in your home before orientation week.
How to Buy a Home as a New Doctor in Central Florida
If you're a physician relocating to Central Florida — whether for residency at AdventHealth, a fellowship at Orlando Health, or an attending position at Lake Nona Medical City — buying a home might feel impossible when you're carrying $200K+ in student debt with limited savings. That's exactly the situation physician mortgage programs are designed to solve.
Understand Your Buying Power
A conventional lender sees $250,000 in student debt and calculates $2,500/month against your income — effectively disqualifying you. A physician mortgage lender excludes those loans entirely for qualifying residents, or uses your actual IDR payment (typically $300–$575/month) instead. This single difference can turn a denial into a $500K+ pre-approval.
Start Before Your Start Date
Most physician loan programs let you close up to 90 days before your employment contract begins. A signed offer letter replaces pay stubs. If you know where you're working in Central Florida, you can have keys in hand before orientation week. The earlier you call Bernard, the more options you have.
Pick the Right Central Florida Market
Your neighborhood choice depends on your hospital, commute tolerance, and budget. Lake Nona homes near Medical City run $500K–$1.2M+. Kissimmee and Celebration offer strong value at $350K–$700K within 20 minutes of most campuses. Poinciana and St. Cloud provide the most affordable entry at $300K–$500K — ideal for residents building equity early.
Compare Fixed vs. ARM
Many physician mortgages are offered as 5/1 or 7/1 adjustable-rate mortgages. If you plan to move or refinance within 5–7 years — common for physicians finishing training — an ARM's lower initial rate can save significant money. For long-term holds, a fixed rate provides payment stability.
Call Bernard — One Conversation Gets You Started
Bernard Jackson Jr. is an ABR®-certified REALTOR® specializing in physician home purchases across Central Florida. Bilingual in English and Spanish. One phone call covers your employer, timeline, designation, and budget — and Bernard identifies the right loan program, the right neighborhoods, and the right timeline to get you closed before your start date.
Ready to start? One call covers everything.
📞 Call or Text: 863.223.2294Physician Mortgage FAQ
Researching Where to Live in Central Florida?
The right neighborhood depends on your hospital, commute, lifestyle, and budget. Here's where to go next.
🏙️ Lake Nona Neighborhood Guide
Everything physicians need to know about Lake Nona Medical City — neighborhoods, home prices, commute times, schools, and what life actually looks like near the medical corridor.
Explore Lake Nona →⚖️ Pros & Cons of Kissimmee
The honest 2026 breakdown — traffic, taxes, neighborhoods, schools, and what catches relocating physicians off guard before they commit to an address.
Read the Guide →🏡 Discover Poinciana
Poinciana offers the strongest value in Central Florida — ideal for residents and early-career physicians building equity. Bilingual community, new construction, and proximity to major hospitals.
Explore Poinciana →
Bernard Jackson Jr.
REALTOR® · LPT Realty
I help physicians, dentists, and medical professionals buy homes in Central Florida — from Lake Nona Medical City to Windermere to Kissimmee. I'll connect you with lenders who offer true physician mortgage programs, guide you through every step, and make sure you close on time — even before your start date.
Se habla español — Llámame directamente