About Physician Loans – Physician Loans Wisconsin

What is a Physician Loan?

A physician loan is a home loan available to doctors just out of medical school, in residency or practicing physicians (MD, DO, DDS, DPM and DMD). As a doctor, your student loans are treated in a special way that makes it easier for you to qualify. Your student loan is not counted against you like in traditional Debt to Income (DTI) ratios, which means you’ll get a better rating and easier approval. This unique type of loan allows you to qualify based on future income potential instead of relying on calculations from your past or current income like standard loans. And, with flexible terms and great rates, you’ll find a payment option that suits your needs. It’s all in the numbers:

100% financing; No money down.
Zero Private Mortgage Insurance (PMI) will lower monthly payments, saving thousands of dollars.
Zero pre-payment penalty.
60 days before starting your position to close on your home – no pay stub required.

Get to Know Ryan Koch Search for Homes

“If you are looking for an attentive, responsive, and hard working Real Estate Team then look no further. Ryan and his team were absolutely amazing in helping my husband and I relocate to Madison for my residency program. His communication with us was outstanding and made what can be a very stressful time, free of stress. Our first time home buying experience could not have been a better one and it was because of Ryan. I would highly recommend Ryan to anyone looking for a home!"

- Sarah & Chris

Working with Ryan was convenient and incredibly easy. We were buying from across the country and Ryan was kind enough to pick me up from the airport and drive me around to see houses in a BUNCH of different areas. I'd highly recommend Ryan for your home buying or selling needs.

- Kate

Ryan was an invaluable resource for my wife and I when moving to Madison for my residency in anesthesiology. Several other residents in my program used Ryan to purchase their home and gave him excellent reviews. We were not disappointed! He helped us navigate the competitive Madison market and made our move to Madison easy.

- Andy and Jess

Ryan was very knowledgeable about physician loans and referred me to the right people to obtain a loan for my first home purchase. I'm confident that the entire loan and home buying process went so smoothly because of Ryan's experience and expertise as a realtor.

- Matthew

I moved to Madison to start a residency program at UW and really appreciated Ryan's extensive knowledge of neighborhoods and parts of Madison that allow easy access to and from the hospital. He understands the demands of being a resident and helped me purchase a home in a fantastic location.

- Megan