Explore our loan programs specifically designed for medical professionals. Our Fifth Third Bank physician loan program offers flexible financing tailored for doctors, while our physician mortgage loan options cater to your unique needs in real estate investments. Discover the benefits of our medical professional home loans today.

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 regarding medical professional home loans can be misleading or false promises. In Florida, the official Fifth Third Bank physician loan program is 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 for the physician mortgage loan 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, including those in the Fifth Third Bank physician loan program, 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 mortgage 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 program is the recognized and trusted choice 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.

🏥 Proudly Supporting Florida’s Leading Hospital Systems & Medical Networks: AdventHealth | Orlando Health | BayCare Health System | HCA West Florida | HCA North Florida | HCA East Florida | Shriners Hospitals for Children | University of Florida Health (UF Health) | Baptist Health South Florida | VA Sunshine Healthcare Network (VISN 8) | Palm Beach Health Network | Baptist Health Jacksonville | Memorial Healthcare System | Jackson Health System | Oglethorpe Inc. | Landmark Hospitals | Ascension Sacred Heart | Cleveland Clinic Florida | Lee Health | Broward Health

The Florida Physician Loan Program, particularly the Fifth Third Bank physician loan program, is available statewide and tailored for medical professionals seeking home loans, 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, Boca Grande, Boca Raton, Bradenton, Bradenton Beach, Brandon, Brooksville, Bushnell, Cape Haze, Casselberry, Celebration, Center Hill, Champions Gate, 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, 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, Land O' Lakes, Largo, Leesburg, Lisbon, Lithia, Little Gasparilla Island, Longboat Key, Longwood, Lutz, Madeira Beach, Maitland, Mascotte, Minneola, Miami, Montverde, Mount Dora, New Port Richey, New Smyrna Beach, Nokomis, North Port, North Redington Beach, North Venice, Oak Hill, Oakland, Ocala, Ocoee, Odessa, Okahumpka, Oldsmar, Orange City, 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, St. Petersburg, San Antonio, Sanford, Sarasota, Seffner, Seminole, Seville, Siesta Key, Silver Lakes, Sorrento, South Daytona, South Pasadena, Spring Hill, Sumterville, 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, 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.

Mortgage Partner Disclosure & Disclaimer

Olympus Executive Realty®, its affiliates, and representatives are licensed real estate brokerages and do not engage in mortgage lending, loan origination, underwriting, or mortgage brokerage activities. Any references to the physician mortgage loan or mortgage programs, loan products, interest rates, or financing options featured on this website are provided solely for informational and marketing purposes in cooperation with our independent, third-party lending partner, Fifth Third Bank, located in Orlando, Florida (NMLS #402551).

Olympus Executive Realty® is not a mortgage lender or broker and does not offer, negotiate, arrange, or guarantee financing. All mortgage-related information, offers, and promotions are provided directly by Fifth Third Bank. Any loan approval, qualification, terms, or rates are determined exclusively by Fifth Third Bank in accordance with applicable federal and state lending laws.

Olympus Executive Realty® makes no representations or warranties regarding the products, services, rates, or terms offered by Fifth Third Bank and assumes no liability for any loan decisions, disclosures, or commitments made by that institution. Borrowers are encouraged to independently verify all loan information and consult directly with a licensed mortgage professional at Fifth Third Bank before entering into any financing agreement.

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