Most physician-mortgage lenders extend the same program to dentists, including general dentists, oral surgeons, periodontists, orthodontists, and other dental specialists. Dental school debt loads are often higher than medical school, which is exactly the scenario this product is built for.

Veterinary medicine carries one of the worst debt-to-income ratios in any licensed profession, and several physician-mortgage lenders include DVM and VMD borrowers in the same program. Newly licensed veterinarians starting at a practice can usually qualify on a signed employment contract before the first paycheck.

A smaller set of wholesale lenders offer the physician-style program to attorneys with an active bar admission. The borrower profile is similar: high future income, high student debt, and a credentialed license that lenders treat as a strong predictor of long-term repayment.

PharmD borrowers qualify for the professional-mortgage product at several wholesale lenders. Pharmacy graduates carry six-figure student debt against retail or clinical pharmacist income, and the program is designed around that ratio.

Optometrists are included on the eligible-degree list for most physician-mortgage programs. Both employed ODs and practice owners (where business income documentation supports it) can typically qualify.

A subset of wholesale lenders extend professional-mortgage programs to active, licensed CPAs. Down payment minimums tend to be a touch higher than the medical professions, but the no-PMI structure and student loan treatment still apply.

Several lenders extend the physician-mortgage product to certified physician assistants (PA-C). Loan size caps run a bit lower than the MD / DO program at most lenders, but the underwriting flexibility on student debt and offer-letter income is the same.

CRNAs are one of the higher-earning advanced practice nursing roles and most physician-mortgage lenders include the credential on their eligible-borrower list. Newly certified CRNAs with a signed contract for their first attending position typically qualify on offer-letter income.

A narrower set of wholesale lenders extend the physician-style program to licensed chiropractors (DC). Loan caps tend to be lower and 0% down may not be available, but the no-PMI structure and favorable student loan treatment still apply.

Podiatrists are eligible for the physician-mortgage program at most wholesale lenders that offer it, on the same tiers as MD and DO borrowers. Residents and fellows in podiatric residencies can typically qualify on a signed attending contract.