Doctors and recent medical school grads often face unique challenges when it comes to buying a home — student loan debt, limited credit history, and non-traditional income structures can all make financing feel out of reach.
That’s where our Doctor Loan comes in. This specialized loan program was designed to address the financial realities many medical professionals face, offering solutions for buyers who may have high debt-to-income ratios, limited savings for a down payment, or are just beginning their careers with an employment contract in hand.
CALHFA
DIVERSITY JOBS
MORTGAGE EXECUTIVE
Mortgage Professional America
NAHREP
NMP
SCOTSMAN GUIDE
NMP
SCOTSMAN GUIDE
A Doctor Loan is a specialized mortgage program designed for medical professionals who may have high student loan debt but strong long-term earning potential.
Eligible borrowers include:
This program is not available for chiropractors, nurses, or pharmacists.
Doctor Loans offer:
Doctor Loans allow more flexible student loan calculations than traditional programs, making it easier to qualify.
No. New employment contracts are allowed, and 1–2 years of income history may not be required.
Yes. Contributions from third parties may be permitted under certain conditions.
This program is not available in AK, CA, DC, HI, ME, or NV.
It allows medical professionals to buy a home sooner — without waiting years to pay down student debt or save a large down payment.
“Daniel was great! Very efficient and very friendly. He always got back to us in a timely manner and always called us to explain things rather than just texting. Very personable guy! Very quick as well! We closed 2 weeks sooner than expected. I cannot say enough nice things about preferred rate, I definitely recommend them to everyone!”
“I cannot put into words how amazing Dan and his team were during this whole process. They consistently went above and beyond to ensure I was fully taken care of. Not working with a realtor was a bad call on my part, but Dan was there every step; and a few bumps, offering unbiased advice and making sure I was taken care of. This momma and her girl tribe finally have a place of their own to call home; I am so thankful for Dan and his team!”
“This is my second home purchase using Dan. He is great to work with, he explains everything and is always there to answer any questions.
Update: When rates dropped early October 2025, Dan reached out to let me know and we knocked the refinance quickly. Dan is also always quick to answer questions no matter time or day of the week. No one else I’d rather do business with.”
“We don’t have enough good things to say about Bihn Group! We tried to buy a house years ago and were consistently disappointed, houses sold out from under us, etc. so we gave up! We reached out to Dan this time around and he was so efficient and kind about everything! He answered all of our questions with honesty and we were so lucky to find our dream house as quickly as we did. Our son hasn’t stopped running around in our yard since we moved in! Thank you, Dan and Bihn Group for helping us achieve this goal in life!”
“Thank you for making a dream a reality. For years my husband, kids and I would talk about the perfect house we would have one day. It’s easy to find a house but difficult to get the keys and even more difficult to tell your kids this one didn’t work out. Dan, thank you for directing and clearing the path to our new home. We are extremely grateful!”
