Physician Doctor Loans Florida
What is a Physician Doctor Loan?
What is the Down Payment Requirement for a Physician Doctor Loan?
3% for primary residences only.
Qualify for Higher Loan Amounts with only 3% Down Payment.
Under the Physician Doctor Loan Program, we can exclude student loan debt payments that have 12 months or more of deferment.
What are the Loan requirements for getting a Physician Doctor Loan in Florida?
- 720 minimum credit score.
- 50% maximum DTI.
- Must have less than 18 months of residence remaining.
- 3% down payment can be gifted from a relative.
- Loan Amounts up to $453,100.
- We exclude your student debts to help you qualify.
First Florida Financial was highly recommended by a friend to help with a complex home sale. Eddie and his team found solutions quickly that no other mortgage experts could develop.…read more →
Dealing with First Florida Financial was truly a great experience. Eddie got back to me immediately in the early stages of the loan and got the ball rolling quickly! After…read more →
Applying for a loan is extremely stressful but my experience has been amazing. Eddie always puts the client's interest first and is extremely honest and respectful. He is of unparalleled…read more →
We want to thank a million times to Eddie Hoskins and his team at First Florida Financial Group. Everything, from initiating contact with Eddie on a Saturday afternoon about five…read more →
Eddie and Simone exceeded my expectations. Eddie's team was able to offer me a loan that very few lenders do with less money down. We went through the process without…read more →
From the first call to the closing Eddie and his team were available 7 days a week for any question or even to just guide us through the process. He…read more →
I found First Florida through a web search borne out of frustration. I knew there had to be financing out there that would allow me to get a large mortgage…read more →
I found Eddie and First FL Financial solely by accident doing an internet search. I could of not been happier that I did. I have never met him in person,…read more →
Eddie and his team are amazing and a pleasure to work with every step of the way! Eddie is by far the best mortgage person I have ever known and…read more →
Eddie and Simone were awesome to deal with. The entire process was handled professionally and smoothly. I can honestly say that this was the first time that I have purchased…read more →
Waste no time. Eddie will get the job done. I started working with big banks assuming I was in good hands. My wife found Eddie searching online and I was…read more →
Eddie and his team did a fantastic job. I had a very complicated file and the team communicated thoroughly throughout the entire process and came up with solutions when others…read more →
Excellent Company! I was looking for a Jumbo Loan and didn't want to put 20% down, I found a lot of lenders offering 10% down payment and then I found…read more →
I want to thank the entire team for getting us Thru the VA home loan process. Your E Zip Mortgage online system made it smooth and EASY. Being a return customer…read more →
Eddie and his team did an excellent job preparing and guiding me through the application process. It was quick and painless compared to the many other mortgages I have applied…read more →
Words cannot describe how grateful we are for Eddie Hoskins and his team. My family and I have recently relocated to FL from Mi. My husband just started a new…read more →
Eddie and the First Florida Financial team were nothing short of outstanding! This was, by far, the most straightforward, professional mortgage loan process we have ever experienced. Eddie has an…read more →
Eddie was my hero throughout the home buying process. I had a somewhat complicated situation, and he made the loan possible where others couldn't. The E ZIP process was fast…read more →
Thank you, Eddie Hoskins and his dedicated and skillful staff were able to make the impossible possible! I will honestly say that he is the most competent and knowledgeable loan officer…read more →
Eddie, I know it has been over a week since we last spoke but we have been so busy with the move into our "new home"! The key word is…read more →
Dear Eddie, I would like to personally thank you for your help in arranging the refinance of our home we built in St. James City. You not only delivered…read more →
Dear Eddie, Thank you for all your support during the last year. I will always recommend you for loans to my friends and family. You did an outstanding job…read more →
Thank you, Eddie, for putting this mortgage together for me. I was operating on a meager budget with a limited amount of savings and you came through for me.…read more →
Eddie Hoskins and his team at First Florida Financial really helped me when others had declined on me. He was able to work out a deal in a very…read more →
Comparing Current Florida Mortgage Rates
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Current Florida Mortgage Rates
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Why Should You Choose Us For Your Home Loan?
We work for You & Not the Bank. When working with us, your not “stuck” with ONE bank’s restrictive set of underwriting guidelines, which can put caps on your debt to income ratio or require a lot of mortgage reserves! We always seek out the best lender to suit your specific situation and find lenders with the Best Mortgage Rates! Oh, Ya we don’t keep bankers hours we always answer your phone calls and text messages in the evening and on the weekends…. because we don’t get paid a salary…. we only get paid when your loan closes and most of the time we get paid by the lender and not by you!
We offer the Best Mortgage Rates!
Our “Outside The Box Thinking” gets home loans approved and closed every day through a variety of unique loan products! One-Year Tax Returns, Cross Collateralizing Properties, Assets as Income, Bank Statement as Income, and No Income Verification Investment Loans. Along with our years of experience and understanding tax returns, knowing what expenses to add back in and how to stretch your funds to pay off debts to reduce your DTI. If necessary, we can try to increase your credit score, then do a rapid credit re-score.
Get Pre-Qualified Fast, see you’re credit scores immediately, and close in 30 days or less with our E Zip Mortgage! It’s all online, reduces paperwork, and provides you with a secure, collaborative document upload portal that regularly notifies you via text messaging & emails with all loan updates. Get Started Now!
Our Professional and Experianced Team of Loan Officers are ready to help you.