Doctor Loan Central Florida | Bernard Jackson Jr. REALTOR®

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Central Florida Doctor Loan Specialist

Buy Your Central Florida Home With $0 Down — Even With Student Debt

Physician mortgage loans are designed for doctors, dentists, and residents — no PMI, no down payment required up to $1M+, and your student loans don't count against you.

🏠 0% Down Available

🚫 No PMI

📄 Student Debt Excluded

✈️ Close Before You Start

🗣️ English & Español

Check Your Doctor Loan Eligibility

Bernard will personally reach out within 1 business hour to walk you through your options. No obligation, no robots.

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Timeline to Purchase

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Bernard received your request and will personally reach out within one business hour. In the meantime, feel free to call or text him directly.

📞 (863) 223-2294

Bernard Jackson Jr.

ABR® · Bilingual REALTOR® · LPT Realty · Central Florida

📞 (863) 223-2294 💬 Text Me 🌐 Full Website

Doctor Loans Explained

Why Doctors Get Better Mortgage Terms

Conventional loans penalize your student debt and require hefty down payments. Physician loans are built around your career trajectory, not your current balance sheet.

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0% Down Up to $1M+

Purchase a home without draining your savings. Some programs go up to $2M with minimal down payment.

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No PMI Required

Private Mortgage Insurance adds hundreds to your monthly payment. Doctor loans waive it entirely — even at 0% down.

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Student Debt Excluded

Deferred or income-driven student loans are excluded from your debt-to-income ratio. Qualify even with $300K+ in loans.

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Use Your Offer Letter

Close on your home using your signed contract — up to 90 days before your start date. No need to wait.

Down payment required up to $1.25M

60K+

Active physicians in Florida

5★

Bernard's client rating on Google

2.5M

Max loan in some programs

Eligibility

Do You Qualify?

Doctor loan programs are available to a wide range of medical and dental professionals — including residents and fellows still in training.

MDPhysician

DOOsteopath

DDSDentist

DMDDentist

DPMPodiatrist

PharmDPharmacist

NPNurse Prac.

PAPhys. Asst.

CRNAAnesthetist

✓

Residents & Fellows Are Welcome

You don't need to be an attending. A signed offer letter or employment contract is all you need to close on your Central Florida home before your first day of work.

Your Agent

Why Work With Bernard?

Bernard Jackson Jr. is an ABR®-certified, bilingual REALTOR® at LPT Realty who specializes in helping medical professionals navigate Central Florida's competitive market.

Doctor Loan Expertise

Bernard works with lenders who specialize in physician mortgages — $0 down, no PMI, student debt excluded, and programs that fit your timeline.

Bilingual — English & Español

Serving the diverse Central Florida medical community in both languages. No barriers during the most important purchase of your life.

Relocation Specialist

Moving for residency, fellowship, or attending position? Bernard coordinates around hospital proximity, schools, and tight start-date timelines.

Protects Your Peace

Bernard handles every detail so you can stay focused on your patients. Clients consistently praise his communication — even when deals get complicated.

How It Works

From First Call to Keys in Hand

Free Consultation

Submit the form. Bernard calls you to understand your situation, timeline, and budget.

Physician Lender Match

We connect you with the right doctor loan lender — $0 down, no PMI, student debt excluded.

Find Your Home

Bernard shows you homes near your hospital or practice — on your schedule, including evenings and weekends.

Close & Move In

Bernard stays involved through every document and closing detail. Then you get your keys. 🎉

Central Florida

Where Doctors Are Buying

Bernard knows the neighborhoods near every major hospital system — from Lake Nona Medical City to AdventHealth campuses.

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Lake Nona

Medical City hub, top-rated schools

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Winter Garden

Family-friendly, easy commutes

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Kissimmee

Bernard's specialty market

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Poinciana

Affordable luxury, growing fast

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Champions Gate

Golf, resort-style living

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Davenport

Value & I-4 access

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Orlando Metro

Near AdventHealth & Orlando Health

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Windermere

Luxury lakefront properties

Client Stories

What Clients Say About Bernard

★★★★★

Bernard went above and beyond to make sure we felt confident every step of the way. Being new to Florida, his guidance made all the difference. His attention to detail and genuine care set him apart from every other agent we've worked with.

Dr. M. Flores

Physician, Central Florida

★★★★★

Bernard maintained great communication flow among all parties and negotiated an excellent deal. If you want a reliable real estate agent who truly delivers results, Bernard is the person to go to.

Dr. R. Cruz

Dentist, Kissimmee FL

★★★★★

He was always available, updating me with new listings immediately. Bernard helped me find three properties and I couldn't be more grateful. His bilingual service made the whole process so much easier.

Dr. L. Reyes

Resident, AdventHealth Orlando

Common Questions

Frequently Asked Questions

Yes — that's exactly what doctor loans are designed for. Deferred or income-based repayment student loans are excluded from your debt-to-income ratio. Even $300K+ in student debt won't disqualify you.

Absolutely. Most physician loan programs allow you to close up to 90 days before your employment start date using a signed offer letter or contract. Perfect for residents and fellows relocating for a new position.

Correct. Doctor loan programs waive Private Mortgage Insurance regardless of your down payment — including 0% down. This alone can save you $200–$600 per month compared to a conventional loan.

Residents and fellows are welcome. You don't need to be an attending physician. As long as you have proof of employment (offer letter or contract), you can move forward — even before you start earning attending-level income.

Many programs go up to $1.25M with 0% down, and up to $2–2.5M with a small down payment. These are among the highest limits available — ideal for Central Florida luxury homes.

Yes. As your buyer's agent, Bernard's commission is negioatable. The consultation is completely free and there is no obligation to move forward.