Most Physician Loans Only Buy Houses. This One Builds Them.
Construction-to-permanent lending combined with physician loan benefits: one close, low down payment, no PMI, and underwriting that reads a signed contract the way it deserves to be read.
Licensed nationwide · NMLS #2362814 · Equal Housing Lender
Why You Can't Find This Loan Anywhere
Search “physician construction loan” and you'll find comparison sites explaining the product and a very short list of lenders who actually make it. Here's why the combination is rare — and why it matters if you're a doctor who wants to build.
Most physician programs stop at existing homes
The comparison sites say it themselves: the majority of physician loan programs only finance completed properties. A build means a construction loan — and most construction lenders don't offer physician terms.
Most construction lenders don't know physicians
Traditional construction underwriting wants two years of W-2 history and counts every dollar of student debt at face value. That disqualifies exactly the borrowers with the strongest earning trajectory in America.
The combination is the product
Physician underwriting on the borrower, construction-to-permanent structure on the project. One close, one rate lock, no requalifying when the build completes. Few lenders do both under one roof — this is one of them.
Who Builds With This
Attendings Building Custom
You've outgrown the starter house and the spec homes don't fit. Build exactly what you want with physician-loan terms from dirt to doorstep.
Fellows & New Attendings
Signed contract in hand, home not built yet. Qualify on the contract, break ground before you start, move in as an attending.
Renovate-to-Perfect
Bought the right lot with the wrong house? Renovation-to-permanent works under the same combined structure — one loan, one close.
Relocating Physicians
New role in a market with nothing on it. Building can beat bidding — especially where inventory is thin and your timeline is known.
One Loan, Three Steps
Qualify as a physician
MD, DO, DMD, and other eligible professionals. Residents and fellows can qualify on a signed employment contract. Student loans underwritten on trajectory, not sticker shock.
One close covers the build
The construction-to-permanent structure funds the build in draws, then converts to your permanent mortgage automatically. One closing, one set of costs — no second qualification after completion.
Move in with doctor terms
Low down payment options and no PMI, per program guidelines. When the home is done, you're already in your permanent loan — and Rosie watches your rate from day one.
Program terms, down payment options, and eligibility vary by loan amount, property type, and borrower profile, and are subject to program guidelines and credit approval. The 20-minute call exists to map your specific numbers — nothing on this page is a commitment to lend.
The Questions Doctors Actually Ask
Can a resident or fellow get a construction loan?
Often, yes — with a signed employment contract, physician underwriting can qualify you on the position you're starting, not the stipend you're finishing. Build timelines and contract start dates need to line up, which is exactly the kind of sequencing worth a 20-minute call.
Do I need to requalify when the construction is done?
Not with a single-close construction-to-permanent loan. The construction phase converts to your permanent mortgage automatically. That single close is the whole point — it protects you from rate moves and re-underwriting risk mid-build.
What about my student loans?
Physician underwriting treats student debt differently than conventional underwriting — income-driven payment treatment and trajectory-based qualification, per program guidelines. The build doesn't change that; the borrower profile drives it.
Does this work for a major renovation instead of ground-up?
Yes — renovation-to-permanent runs under the same combined structure. If the project is substantial enough to need draws and inspections, it can be financed like a build.
Which states does this work in?
Sean is licensed nationwide, and construction lending is available across the country — pick your state below for local detail. Some of the strongest fits are exactly the markets where inventory is thinnest.
Building in Your State
Sean is licensed nationwide. Select your state for local construction-lending details.