Premium Home Financing for Florida Medical Professionals

Overcome student debt and secure your home sooner with up to 100% financing, no mortgage insurance, and flexible broker underwriting.
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Individual NMLS #1080562 | Broker NMLS #1599682 | FL Broker Lic# MBR2220

Home Loans across Florida

We match financing strategy to your property type, budget, and long-term goals.

¡Hablamos Español! Hacemos que su proceso de préstamo sea más fácil y sin estrés.

Your Trusted Partner in Florida

Why Choose Our Doctor Loan Program?

It’s flexible. It features 100% financing. And it bypasses student debt.
While conventional, FHA, and VA loans remain the foundation of what we do, Liberty Mortgage is excited to announce a powerful new addition to our lineup: specialized Doctor Loan programs tailored specifically for Florida’s medical professionals.
Mortgage loans for doctors in florida

Our Range Of Solutions

What You Get With Our Doctor Loan Program

Want help calculating your down payment? We’re here for you.
Lower total loan costs

Achieve Homeownership Sooner

Buy your home now, even with substantial medical student loan debt.

Flexible terms

Preserve Your Liquid Savings

Avoid large upfront down payments and keep your cash reserves intact for other needs.

Low down payment

Eliminate Mortgage Insurance

Bypass monthly private mortgage insurance (PMI) to significantly reduce your housing costs.

No PMI with 20% down

Enjoy Flexible Underwriting

Benefit from customized guidelines that account for your unique financial trajectory and future earnings.

Service Areas

Areas We Serve Across Florida

Fort Myers
North Fort Myers
Sanibel
Jacksonville
Orlando
Tampa
Bonita Springs
Naples
Miami
Port Charlotte
Cape Coral
Tallahassee

Who Can Benefit From Our Doctor Loan?

If you are a high-earning medical professional looking to maximize your purchasing power without being held back by student debt, this program is designed for you. It is especially helpful if:
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You want to buy a primary home with flexible low or 0% down payment options.
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You want to completely eliminate expensive monthly mortgage insurance (PMI).
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You need flexible underwriting that excludes deferred or deferred-status student debt.
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You are an active resident, fellow, or practicing physician ready to secure your keys.

Let’s check if our Doctor Loan fits your career trajectory. It only takes a few minutes.

Eligible Degrees for Our Doctor Loan Program

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MD – Medical Doctor

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DO – Doctor of Osteopathy

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DDS – Doctor of Dental Science

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DMD – Doctor of Dental Medicine

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PharmD – Doctor of Pharmacy

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DVM / VMD – Veterinarian

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DPM – Podiatric Medicine

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CRNA – Nurse Anesthetist

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MD / DO – Ophthalmology & Psychiatry

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Residents, Fellows, & Interns

Doctor Home Loan Program in Florida

Important Regulatory Disclosures & Pricing Breakdown

The principal and interest payment on a $400,000 30-year Fixed-Rate Loan at 8.125% and 100% loan-to-value (LTV) is $2,969.99. The Annual Percentage Rate (APR) is 8.525% with estimated finance charges of $10,000. The principal and interest payment, which will continue for 360 months until paid in full, does not include taxes and home insurance premiums, which will result in a higher actual monthly payment. Rates current as of 06/16/26. Subject to borrower approval. Some exclusions may apply.

Liberty Mortgage Lending Group Inc | Individual NMLS #1080562 | Broker NMLS #1599682 | FL Broker Lic# MBR2220.

Our Process

The Mortgage Process, Simplified

We’ve made getting a loan easier than ever:
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Apply

Online or in person. It’s quick and secure.
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Review

We’ll review your finances and find the right loan for you.
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Approval

Get a fast response from local lenders.
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Close

Sign and celebrate: you’re officially a homeowner!

Explore Our Other Services

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Speciality Loans

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Refinance

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Let’s Get You Home

Looking for a flexible home financing solution? Our specialized Doctor Loan options are engineered to work with your career trajectory, not against it. Whether you are an active resident or an established medical professional ready to purchase or refinance in Florida, Liberty Mortgage is here to help you secure your keys with ease.

Why Us

Why Florida Medical Professionals Choose Liberty Mortgage

We’re your neighbors right here in Southwest Florida, not a faceless national bank. While based in Fort Myers, Liberty Mortgage provides specialized doctor loans to healthcare providers across the entire Sunshine State.

We deeply understand the unique career paths of Florida medical professionals, residents, and private practice owners. By streamlining the underwriting process and cutting out traditional banking red tape, we handle all the heavy lifting locally so you can stay focused on your patients.

Best Mortgage Company in Florida for Doctors

See Why We’re Rated One of the

Real Stories from Local Homeowners

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Rachel Munguia profile picture
Rachel Munguia
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Working with Debby Hernandez at Liberty Mortgage was one of the best decisions we made during our home buying journey she took the time to explain every step, answered all of my MANY! questions promptly, and helped me secure a great rate that worked for our budget I really appreciated honesty, professionalism, and ability to break down complex terms in a way that made sense. If you're looking for a knowledgeable, trustworthy, and responsive mortgage broker who genuinely cares about your financial goals, I highly recommend Debbie Hernandez We will definitely be working with her again! Much love Debbie for everything!!
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Taili Alvarez
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Estoy tan agradecida con el equipo , estoy muy Feliz con Debby y todos aquellos que asumen la barrera del idioma para cumplir el sueño más grande de cualquier persona en este gran país que es tener un hogar , ellos hicieron que yo me sintiera parte de la familia Liberty desde el día uno muchas gracias y bendiciones por el gran trabajo que hacen por siempre eternamente agradecida
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Long Nguyen
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After being told that we were not qualified for a mortgage by a lender, I was referred to Debby by my realtor. Long story short, we closed on our house today. Debby worked diligently to figure out ways that helped us get the mortgage approved and save money in the process. Very easy to work with and always available for questions/concerns. We will definitely use her service again and recommend our friends and family to her for lending needs. Thank you Debby!
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Alfredo Miralles
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Laura did an exceptional job. Was extremely patient and helpful. She was thorough and made me feel super comfortable about the process. I would highly recommend using her. We will use her again.
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steve knapp
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Best mortgage broker in town hands down! Debby Hernandez is the GOAT! So easy to work with. Such a smooth transaction, I barely had to lift a finger. She communicated with me regularly providing updates via text and calls. I had a horrible experience with another brokerage in Tampa and immediately after calling Liberty mortgage and speaking to Debby she set my mind at ease she called me the next day with a solid approval and few contingencies. Do yourself a favor and let Debby at Liberty take care of your mortgage needs. I promise you won't be disappointed!
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Vic
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Debby was absolutely amazing and very helpful throughout the whole process and wouldn’t have asked for anybody else during the process. For a first time homebuyer she was the best and walked me through every step start to finish.
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MrTraverseification
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Very happy in the whole process thank you so much for meeting my needs and expectations on my home purchase 👍
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Patrick Brinkman
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I live in Wisconsin and for the past 5+ months I spent a painful amount of time, effort and research trying to secure financing (aka a mortgage) for a mobile home that I wanted to buy in North Fort Myers, Florida. Local banks in Wisconsin refused and were of little help. I thought that working with a national lender would be better; but after 4 weeks of working with Rocket Mortgage once the underwriters learned the home was in a co-op (I own the home but the park/club owns the land) which I told the agent on the first day and was assured that as long as there was no lot rent that it would be ok. He was wrong, and with the financing deadline approaching I was left looking for another lender. I decided to try banks in the Fort Myers area who were accustomed to dealing with mobile home mortgages and would understand the risks and hazardous weather of that area. The problem: there are few lenders willing to finance mobile homes in Florida...those that do will only finance newer homes (10 years old or newer)...and yet even fewer that will consider property in a co-op. I continued my research and called numerous banks until I found Liberty Mortgage. I submitted an online application and the next day Debby from Liberty called me to discuss my options. Right off the bat, she was a HUGE help. To save me a lot of time and effort, she gathered all the information and documents that she needed by pulling it directly from one of the previous lenders (where I had already submitted all of my information). She was always very friendly, helpful, knowledgeable, upfront, quick in getting things done, and very good with explaining terms and the process, and keeping me up to date. She was dedicated and worked late many times. Whenever we ran into a roadblock, she wouldn't give up but would put her mind to it and come up with alternatives. The lender that she was trying to secure a mortgage with wasn't able to because the mobile home was in a co-op. But this is where Liberty, and more specifically Debby, was different from any lender that I have dealt with in the past. She actually cared and understood that this wasn't just another loan but my future home. She knew the difficulties that I had been through and that the deadline was days away. Instead of dumping me at that point and not offering any solutions, as all the previous lenders had done, she made it clear that she wasn't done helping me. She told me, "Don't worry - I know this is important to you and I will keep working with you until you find a lender - and I won't charge you"! At this point, I had to request an extension on my home offer, and over the next 2 months, she continued to work with me daily; spending a lot of time doing research and contacting lenders. I ended up working with 2 more lenders (21st Mortgage, which was a royal pain and they wanted way too much information, and SouthState Bank which I ended up going with). She was right there with me - answering questions and helping me provide whatever information or documents that the lenders needed. It was nice to have Liberty/Debby by my side during this difficult time. And I won't even get started on the pain of trying to secure homeowner's insurance in FL. Bottom line: Liberty/Debby is definitely worth contacting to see if they can meet your mortgage needs! I consider Debby a good friend, and thanks to her I am now the owner of a home in sunny Florida!
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GM 2020
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From beginning to end they were great. They were friendly and helpful. They went out of their way to make sure everything went right.
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Matthew Thompson profile picture
Matthew Thompson
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You can tell Debbie takes pride in how she cares for her clients. She makes the process as easy as possible, is honest, professional and informative. Truly a rare thing to come across. HIGHLY recommend.

FAQs

Frequently Asked Questions About Doctor Loan Programs In Florida

How does this program help me buy a home if I have high medical student loan debt?
Traditional mortgages often penalize you for large student loan balances. Our program utilizes lenient calculations for student loan debt. In fact, if you are currently in a medical residency or fellowship, student loan payments that are in deferment or forbearance can be completely excluded from your debt-to-income underwriting calculations.
Which medical degrees qualify for Liberty Mortgage’s Doctor Loan program?
This specialized program is available to practicing professionals, residents, fellows, and interns holding the following degrees: Medical Doctor (MD), Doctor of Osteopathy (DO), Doctor of Dental Science or Surgery (DDS), Doctor of Dental Medicine (DMD), Doctor of Ophthalmology (MD/DO), Doctor of Psychiatry (MD/DO), Doctor of Pharmacy (PharmD), Doctor of Veterinary Medicine (DVM/VMD), Doctor of Podiatric Medicine (DPM), and Certified Registered Nurse Anesthetist (CRNA with DNAP/DNP).
Can I really buy a home in Florida with zero money down?
Yes. We offer up to 100% financing options through this program, allowing eligible healthcare professionals to buy a primary residence without a large upfront down payment. This preserves your personal savings for moving costs, practices, or other immediate financial needs.
Will I have to pay Private Mortgage Insurance (PMI) if I put down less than 20%?
No. One of the biggest financial benefits of our Doctor Loan program is that there is no mortgage insurance (MI) required, regardless of your down payment amount. This can save you hundreds of dollars on your monthly housing costs compared to a standard conventional loan.
What are the credit and loan limits for this specialty program?
The program accommodates high-value financing with loan amounts scaling up to $2,000,000, making it an excellent fit for premium properties throughout Fort Myers and Florida. The minimum credit requirement to qualify under these flexible terms is a 680 FICO score. Eligible loan structures include purchase or rate-and-term refinancing for primary residences only.