The Physician & Dentist
Mortgage Loan

Built for Those Who Take Care of Us

Experienced & Knowledgeable Staff

Pre-Qualify for Your
Dream Home Today!

Best Rates            

No PMI Required       

Contact Us Today!

 Pre-Qualify Now...

(866) 933-7426

Group of doctors in a meeting looking at the camera


If you plan to buy a home upon graduating from Medical School, this is THE loan for you.


New Doctors

If you are planning to buy a home

as a new doctor, this is THE loan

for you.

Mature doctor sitting in his studio

Practicing Physicians

If you plan to buy a home as a practicing physician, this is THE loan for you.


Why Choose The Physician Loan?

Mortgages Specifically Tailored for D.O. M.D. DPM DMD DDS!

Over 25 Years’ Experience

Best Rates

100% Financing with No Money Down

96% Success Rate

No PMI required

No Pre-Payment Penalty

Credit Report Review and Repair

Close 90 days before Job Begins

Non-Permanent Resident Aliens

Ignore Student Loan Debt

Customer Testimonials

Over the past 4 years Derek and I have been working together to help home buyers get into their  next home. Derek has successfully helped out at least 30 of my customers if not more. The reason  I use Derek so much is that he truly cares about helping these individuals get financed. He has a wide variety of mortgage products  and he always takes the time to

select the perfect loan product for the customer's needs.  Another big reason  I consistently use Derek is that he is easy to get in touch with to talk about customers and where they are in the process. I almost talk to Derek on a daily basis and this helps keep me and the customers fully informed. Let's face it; the lending process is not easy right no matter  where you go, so you need a loan officer like Derek to navigate all the hurdles and pitfalls along the way. There have been countless times that Derek has gone the extra mile for his customers to make sure  the loan went through. With all of his yea rs of experience Derek Emerson is genuine  mortgage professional and I would recommend  his services to anyone I meet.

Daniel L.

We just wanted to take this opportunity to thank you for the wonderful service you provided to my wife and I when we purchased our new home. This was not our first foray into the home loan arena, but I have to say that it was the most stress-free of the lot.

You and your staff took us step-by-step from pre-approval to closing, never losing sight of the goal. And when we asked to move up the closing to take advantage of some timing opportunties, you were able to close us in only 20 days!

Thank you again for spending the time necessary to make a huge undertaking a walk in the park.

Bob & Irma S.

As a first-time home-buyer,I expected a long and stressful process while attempting to secure a home loan. My real estate agent recommended I contact Homeowners Financial Group after a couple encounters with less-than-helpful lenders. Derek and his entire team provided me with unmatched customer service- they were informative, patient,and extremely accessible from the first phone call to my closing date. The team had my best interest in mind, and handled the majority of the workload. You can tell they genuinely care about their customers. I couldn't have asked for an easier process.

Amina R.

Our Latest Posts

What is So Great About a Physicians Mortgage Loan Opportunity?

Physician mortgage loans are a type of doctor home loan specifically designed for medical professionals, including physicians, dentists, and veterinarians. These loans are intended to help doctors who may have significant student loan debt and a high debt-to-income ratio, making it difficult for them to qualify for a conventional mortgage. These loans are also designed…

What Exactly is a Physician Mortgage Loan?

A physician mortgage loan is exactly what it sounds like, a special mortgage product available to doctors. Because of the unique financial characteristics of physicians, these types of loans don’t have quite as many restrictions compared to what lenders require from borrowers of VA or conventional loans. There are a few gateways that doctors must…
Physicians Mortgage Loans Daytona Beach Florida