EN

Translate:

Physician Real Estate Professionals Florida

Physician Real Estate Professionals Florida

  • Home
  • Loan Programs
  • PREP Partners
  • Photo Gallery
  • Video Gallery
  • Contact
  • Brevard County
  • More
    • Home
    • Loan Programs
    • PREP Partners
    • Photo Gallery
    • Video Gallery
    • Contact
    • Brevard County

EN

  • Home
  • Loan Programs
  • PREP Partners
  • Photo Gallery
  • Video Gallery
  • Contact
  • Brevard County

Loan Programs | Doctor | Physician | Real Estate | Investments

Welcome To The Physician Loan Program Florida

Welcome To The Physician Loan Program Florida

Welcome To The Physician Loan Program Florida

Welcome To The Physician Loan Program Florida

Welcome To The Physician Loan Program Florida

Welcome To The Physician Loan Program Florida

   

Physician Mortgage Loan Program in Florida 

The Official Physician Loan Product, Backed by Fifth Third Bank


Not all “doctor loans” are the same. Many offers you see online are misleading or false promises. In Florida, the official Physician Loan Program is offered through Fifth Third Bank, explicitly designed to help medical professionals purchase or refinance a primary residence.


What is a Physician Mortgage Loan?


A physician mortgage loan is a specialized home loan program created for doctors, dentists, residents, and fellows. Unlike traditional mortgages, it offers:

  • Low down payment requirements (as little as 0–5%)
  • No PMI (Private Mortgage Insurance)
  • Flexible student loan treatment (deferred or in forbearance loans may not count toward DTI)
  • Loan amounts up to $2 million


Who Qualifies?


Eligibility is limited to medical professionals, including:

  • Physicians (MD, DO)
  • Dentists (DDS, DMD)
  • Specialists (OD, DPM, DVM)
  • Residents, fellows, and interns
  • Physicians with an employment contract starting within 90 days of closing


Key Program Highlights


  • Loan amounts up to $2 million
  • 0–5% down payment options
  • No PMI required
  • Both fixed-rate and adjustable-rate mortgages (ARMs) are available
  • Student loan flexibility in debt-to-income calculations
  • Available for primary, owner-occupied residences only
  • Eligible for purchases and refinances


FAQs About Physician Mortgage Loans


Do physician loans have higher interest rates?
Because physician loans waive PMI, they may carry a slightly higher interest rate than conventional loans. However, overall costs are often lower due to the PMI savings.

Can I refinance a physician mortgage loan?
Yes, refinancing is available if rates or terms improve.

Do you know if my quoted rate will be the same tomorrow?
Rates are subject to market changes. Once you apply, you can lock in your rate for a specified period.

How long will processing take?
Processing times vary, but your Mortgage Loan Originator will provide a personalized estimate.


Why Physicians Have a Home Loan Advantage


Between medical school debt, residency hours, and delayed earning potential, physicians face unique challenges when buying a home. The official Florida Physician Loan Program was designed to give medical professionals a financial advantage, making it easier to purchase a home sooner without being penalized for student loan debt.


Top Florida Markets Where Physician Loans Are Popular


 Fort Lauderdale & Broward County: Close to top hospitals & medical centers
Orlando & Central Florida:  Near major hospitals and research hubs
Tampa Bay & St. Petersburg: Access to healthcare networks & waterfront living
Miami, Weston & Pembroke Pines:  Luxury options near world-class facilities
Jacksonville & Northeast Florida: Home to renowned hospitals, naval medical centers, and family-friendly communities


The Official Physician Loan Product in Florida


Don’t be misled by unofficial offers or false promises. The Fifth Third Bank Physician Loan is the recognized and trusted program for doctors, dentists, and medical professionals in Florida.

 You can connect today to learn more about the official Physician Loan Program and start your path to homeownership.


Our Physician Loan Partner, Florida

  Alex Martínez Zayas 

Florida Physician Loan Specialist

Fifth Third Bank

 NMLS  ID #: 1522147 

Contact Us | White Glove Physician Loan Contact Form

White Glove Physician Loan Contact Form

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Physician Real Estate | Doctor | Physician | Real Estate | Investments

16903 Lakeside Drive, #6, Montverde, FL 34756, US

Physician Loan Program Florida Coverage


The Florida Physician Loan Program is available statewide, including but not limited to:

Major Metro Areas: Jacksonville, Miami, Orlando, Tampa, Fort Lauderdale, St. Petersburg, Tallahassee, Gainesville, Sarasota, Naples, Pensacola, Fort Myers, West Palm Beach, Boca Raton, Clearwater, Daytona Beach, Melbourne, Lakeland, Ocala.

Popular Cities & Towns Across Florida:
Altamonte Springs, Altoona, Anna Maria, Apollo Beach, Apopka, Arcadia, Astatula, Astor, Auburndale, Babson Park, Bartow, Belle Isle, Belleair, Belleair Beach, Belleair Bluffs, Boca Grande, Boca Raton, Bradenton, Bradenton Beach, Brandon, Brooksville, Bushnell, Cape Haze, Casselberry, Celebration, Center Hill, Champions Gate, Championsgate, Christmas, Chuluota, Clearwater, Clearwater Beach, Clermont, Coleman Lake, Cortez, Crystal Beach, Dade City, Davenport, Daytona Beach, Daytona Beach Shores, De Leon Springs, Debary, Deer Island, Deland, Deltona, Dover, Dundee, Dunedin, Eagle Lake, Edgewater, Edgewood, Ellenton, Englewood, Enterprise, Eustis, Ferndale, Four Corner, Fort Meade, Fort Lauderdale, Frostproof, Fruitland Park, Geneva, Gibsonton, Golden Oak, Gotha, Grand Island, Groveland, Gulfport, Haines City, Harmony, Holiday, Holly Hill, Hollywood, Holmes Beach, Howey In The Hills, Hudson, Indian Lake Estates, Indian Rocks Beach, Indian Shores, Intercession City, Kathleen, Kenansville, Kenneth City, Kissimmee, Lady Lake, Lake Alfred, Lake Hamilton, Lake Helen, Lake Kathryn, Lake Mack Forest Hills, Lake Mary, Lake Panasoffkee, Lake Suzy, Lake Wales, Lakeland, Lakewood Ranch, Lakewood Rch, Lake County, Land O Lakes, Largo, Leesburg, Lisbon, Lithia, Little Gasparilla Island, Longboat Key, Longwood, Lutz, Madeira Beach, Maitland, Mascotte, Minneola, Miami, Montverde, Mount Dora, Mouth Plymouth,  Mt. Olympus, Mulberry, Myakka City, New Port Richey, New Smyrna Beach, Nokomis, North Port, North Redington Beach, North Venice, Oak Hill, Oakland, Ocala, Ocoee, Odessa, Okahumpka, Oldsmar, Orange City, Orange County, Orlando, Ormond Beach, Osprey, Osteen, Oviedo, Oxford, Paisley, Palm Harbor, Palmetto, Parrish, Pembroke Pines, Pierson, Pine Lakes, Pinellas Park, Pittman, Placida, Plant City, Poinciana, Polk City, Polk County, Pompano Beach, Ponce Inlet, Port Charlotte, Port Orange, Port Richey, Punta Gorda, Redington Beach, Redington Shores, Reunion, Riverview, Rotonda, Rotonda West, Ruskin, Safety Harbor, Saint Cloud, Saint Petersburg, St. Petersburg, San Antonio, Sanford, Sarasota, Seffner, Seminole, Seville, Siesta Key, Silver Lakes, Sorrento, South Daytona, South Pasadena, Spring Hill, St Cloud, St Pete Beach, St Petersburg, St. Cloud, St. Petersburg, Sumterville, Sumter County, Sun City Center, Tampa, Tarpon Springs, Tavares, Temple Terrace, Terra Ceia, The Villages, Thonotosassa, Tierra Verde, Treasure Island, Trinity, Umatilla, University Park, Valrico, Venice, Webster, Weirsdale, Wesley Chapel, Weston, West Palm beach, Wildwood, Wimauma, Windermere, Winter Garden, Winter Haven, Winter Park, Winter Springs, Yalaha, Zellwood, Zephyrhills areas, and every city and town across the state of Florida.

  Friend, Follow, Subscribe, and Connect with PREP on social media for exclusive insights on training and events.  


Copyright © 2018 Physician Real Estate Professionals - All Rights Reserved.

  • Home
  • Loan Programs
  • PREP Partners
  • Photo Gallery
  • Video Gallery
  • Contact

Powered by