The Loan Program Your Residency Director Never Told You About.
As little as 5% down. No PMI. Student loan-friendly. Up to $2.5M. Designed exclusively for physicians — and backed by 30 years of mortgage wisdom you won't find at a big-box lender.
Whether you're in residency or running the department.
Sean's married to a physician. He gets the timeline, the student debt, the relocations, and the earning curve.
Attending Physicians
MDs, DOs, JDs — established or relocating. Up to $2.5M, as little as 5% down, no PMI.
Residents & Fellows
Qualify on your signed contract, not your current salary. We understand the trajectory.
Group Practice Owners
Buying your first practice space? Commercial and residential lending under one roof.
Relocating Physicians
Moving for a new role? Close before you start. We move at physician speed.
Numbers that move the needle.
As little as 5% down on loans up to $1M — no PMI
No private mortgage insurance, regardless of LTV
We underwrite based on your earning trajectory, not your current IBR payment
Sean's team moves fast — physician-specific processing lane
Sean + U.S. Bank vs. Everyone Else
Most lenders offer physician loans. Very few offer physician lending strategy.
Three steps. Zero stress.
Most physicians spend 40+ hours shopping lenders. This takes 90 seconds to start.
Talk to Rosie
Tell Rosie about your situation — buying, refinancing, relocating. 90 seconds, no forms, no credit impact. She calculates your Savings Score.
Rosie Watches
Rosie monitors rates multiple times a day. She knows your loan structure, your goals, and exactly when a savings window opens.
Sean Closes It
When the window opens, Sean calls you personally. One phone call. White glove. Loans originated through U.S. Bank's physician lending team.
Physicians trust Sean.
“I thought my student loans would keep me from buying for years. Sean got me into a zero-down physician loan in 28 days. No PMI. My colleagues couldn't believe it.”
“Sean understood the physician timeline — I was closing on a house while finishing fellowship. He made it seamless. Rosie's been watching my rate ever since.”
“We refinanced with Sean and saved $420/month. His ARM strategy with Rosie monitoring was the move nobody else suggested.”
He's not just a loan officer. He's family.
Sean is married to a physician. He's lived the 80-hour weeks, the relocations, the student loan weight, and the delayed gratification. He built Rosie because physicians deserve someone watching out for them — even when they're too busy to watch for themselves.
Physician Loan FAQ
Can I qualify with $300K+ in student loans?
I'm still in residency. Can I buy now?
What are the down payment requirements?
How is this different from other physician lenders?
What types of properties qualify?
Is there really no cost for the rate monitoring?
Ready to see what you qualify for?
90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean — free.
Physician Loans — Available in All 50 States
Sean is licensed nationwide. Select your state for local details.