Physician Loans
Lauren Sandoval MBA
Lauren Sandoval MBA Mortgage Branch Manager II
NMLS 16548086751 Academy Road NE, Suite B
Albuquerque, NM 87109
Phone: 505-317-3747
Cell: 505-553-2059
[email protected]
Mortgages Made for Medical Professionals
You’ve devoted years training for your career. You don’t have to spend years saving for a down payment. Our Medical Professionals Program goes beyond the generic “doctor” loan. Whether you’re a pharmacist, veterinarian, psychiatrist, or CRNA with a DNAP or DNP, this is financing that fits how you actually live and earn.
Why Choose This Program
Up to 100% Financing
No down payment required with a minimum 680 credit score, up to $1.5 million loan amounts.
No Mortgage Insurance
Even with less than 20% down.
Relaxed Student Loan Guidelines for Residents and Fellows
Helping you qualify for more home.
Future Income Allowed
Your offer letter or employment contract may be enough to qualify.
Financing Flexibility
For purchases and refinances with fixed-rate and adjustable-rate terms.
Available in 45 States and Washington, DC
Wherever your career takes you, we can help.
Who This Program Is For
Available to licensed medical professionals, including those just starting their careers.*
*At least one borrower whose income is being used to qualify must be an eligible medical professional.
- Medical Doctors (MD)
- Doctors of Osteopathy (DO)
- Ophthalmologists (MD or DO)
- Psychiatrists (MD or DO)
- Dentists (DDS or DMD)
- Pharmacists (PharmD)
- Veterinarians (VMD or DVM)
- Podiatrists (DPM)
- Certified Registered Nurse Anesthetists (CRNA with DNAP or DNP)
- Medical residents, fellows, and interns holding one of the above degrees
Scotsman Guide Top Producer 5 Years in a Row
Get to Know Lauren Sandoval
I know that your student loans don’t tell the whole story. I know that a resident salary isn’t a ceiling. Whether you’re matching, relocating, or settling into your practice, my team and I understand the financial realities of your career. And we know how to help you get home.
Born and raised in New Mexico, I’m proud to serve clients locally and across the country. I’m also active in housing advocacy in the Albuquerque community. With nearly a decade in mortgage, I’ve helped more than 1,000 families achieve homeownership. I’d love to help you, too.
Your Questions, Answered
Because this program offers up to 100% financing, you may not need any down payment. Requirements are based on your loan amount and credit score:
- No down payment on loans up to $1.5 million with a minimum 680 credit score
- No down payment on loans up to $2 million with a minimum 720 credit score
- As little as 5% down on loans up to $2 million with a minimum 680 credit score
Yes. Our team can walk you through the specifics based on your situation, but here’s a quick look at start date requirements:
- Within 150 days of closing for W2 employees
- Within 60 days of closing for contractors and 1099 professionals
Yes, you can still apply if you have student loans. Plus, if you’re a resident or fellow, student loan payments in deferment, forbearance, or reporting as $0 on an income-based repayment plan may be excluded from your debt-to-income (DTI) calculation, potentially helping you qualify for more home.*
*You will be qualified based on the current income during your residency or medical clinical fellowship program.
Our Medical Professionals Program is available for one-unit primary residences, including single-family homes and condominiums. If you’re planning to finance a second home or investment property, we have other programs that are a better fit.
Got More Questions? We’d Love to Hear from You.
Reach out to Lauren and her team today.
Contact Us Schedule a CallAdditional requirements, restrictions, and underwriting conditions apply; see loan officer for details. Not a commitment to lend. Borrower must meet qualification criteria. Information as of 3/17/2026.