Physician Loans · Florida

Physician Mortgage Loans in Florida — Low Down Payment, No PMI.

Whether you're practicing in Miami, relocating to Tampa, or finishing residency at University of Miami Miller — Sean Shallis specializes in physician lending nationwide.

Up to $2.5M. As little as 5% down. No PMI. Student loan-friendly. Loans originated through U.S. Bank.

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90-second rate check No credit impact Free forever
Physician Lending in Florida

Florida physicians deserve a lender who gets it.

Sean Shallis is a national physician loan specialist backed by U.S. Bank. He's married to a physician — he understands the student debt, the relocations, the delayed gratification, and the earning curve that makes physicians uniquely qualified borrowers.

Whether you're an attending at AdventHealth, a resident at University of Miami Miller, or relocating to Miamifor a new role — Sean's physician loan programs are available nationwide with the same white-glove service.

01
Talk to Rosie
Tell Rosie about your Florida home search or current mortgage. 90 seconds, no forms, no credit impact.
02
Rosie Watches
Rosie monitors Florida rates multiple times a day. She knows your loan structure and alerts you when savings windows open.
03
Sean Closes It
When the window opens, Sean calls you personally. One phone call. White glove. Loans originated through U.S. Bank.

Attending Physicians

MDs, DOs, JDs in Florida. Up to $2.5M, as little as 5% down, no PMI.

Residents & Fellows

Training at University of Miami Miller? Qualify on your signed contract, not current salary.

Relocating to Florida

Moving to Miami or Tampa for a new role? Close before you start.

Construction & Renovation

Building or renovating in Florida? Single-close construction-to-permanent loans available.

5%
Down Payment

As little as 5% down on loans up to $1M — no PMI

$0
PMI — Ever

No private mortgage insurance, regardless of LTV

Flexible
Student Loan DTI

Underwritten on earning trajectory, not current IBR

30 Days
Average Close

Physician-specific processing lane

Sean + U.S. Bank vs. Florida Lenders

Most Florida lenders offer physician loans. Very few offer physician lending strategy.

Feature
Sean + U.S. Bank
Typical FL Lender
As little as 5% down, no PMI
—
No PMI at any LTV
—
Student loan-friendly DTI
—
Portfolio lender (keeps your loan)
—
Free rate renegotiation before funding
—
AI rate monitoring (Rosie)
—
Lifetime relationship with your loan officer
—
Available nationwide
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Serving Physicians Across Florida

Sean works with physicians at every major Florida institution — and nationwide.

Miami, FL

Physician mortgage loans available for physicians buying or refinancing in Miami.

Tampa, FL

Physician mortgage loans available for physicians buying or refinancing in Tampa.

Orlando, FL

Physician mortgage loans available for physicians buying or refinancing in Orlando.

Jacksonville, FL

Physician mortgage loans available for physicians buying or refinancing in Jacksonville.

University of Miami Miller

Residents and fellows can qualify with a signed employment contract.

University of Florida

Residents and fellows can qualify with a signed employment contract.

USF Morsani

Residents and fellows can qualify with a signed employment contract.

Mayo Clinic Florida

Residents and fellows can qualify with a signed employment contract.

AdventHealth

Attending physicians and staff can access physician loan programs.

Baptist Health South Florida

Attending physicians and staff can access physician loan programs.

Mayo Clinic Jacksonville

Attending physicians and staff can access physician loan programs.

Physician Loan FAQ — Florida

Can I get a physician loan if I'm relocating to Florida?
Absolutely. Sean works with physicians relocating to Florida every month. You can close before you start your new role — all you need is a signed employment contract. Sean handles the timing so you can focus on the move.
I'm a resident at University of Miami Miller. Can I buy now?
Yes. Physician loan programs let you qualify based on your attending salary — not your resident income. Many Florida residents buy 60-90 days before starting their attending role.
Does Sean work with physicians in Miami and Tampa?
Sean is licensed nationwide and works with physicians in every Florida city. U.S. Bank provides the same physician loan programs regardless of location.
What are the down payment requirements?
No catch. Physician loan programs exist because banks recognize doctors as low-risk borrowers with high earning trajectories. U.S. Bank portfolios these loans — they want the long-term relationship.
Can I build a home in Florida with a physician loan?
Yes. U.S. Bank offers construction-to-permanent loans that combine your build financing and permanent mortgage into a single close. Available for physician-qualified borrowers building in Florida.
Is the AI rate monitoring really free?
Zero cost, forever. Rosie monitors your rate multiple times a day and alerts you when savings windows open. No subscription, no hidden fees. Sean built it because physicians are too busy to track rates themselves.

Ready to see what you qualify for in Florida?

90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.

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