Physician loan leads
Doctors with strong future income and heavy loans, reached with a mortgage built for them.
Physician loan leads come from a narrow, valuable market. A doctor leaving residency has a contract for a large income, a mountain of student debt and a short credit history, and a standard mortgage penalizes all three. Physician loans are portfolio products from banks and credit unions that allow a low down payment, often no mortgage insurance and a gentler view of student loans. Terms vary by lender, and so does the eligible profession list.
- Career stage and contract status captured
- Student debt and savings on the form
- Exclusive to one loan officer
Watch it in 46 seconds
A 46-second explainer from the Amplify Leads team: physician loan leads, from residency to attending.
What physician loan leads look like when they reach you
Who
Residents, fellows and early-career attendings, plus some dentists and other eligible professionals depending on the lender.
What they want
A home with a small down payment, no mortgage insurance if possible and a fair reading of their student loans.
When
Usually around a match, a new job or a move. Timelines are tight because contracts start on fixed dates.
Physician loans are lender-specific products. We only run this campaign if you can actually offer one, and we build the wording around what yours allows.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: purchase leads, jumbo loan leads, and conventional loan leads. Or see mortgage leads by state.
Why a doctor does not fit a normal mortgage
A resident earning a modest salary and carrying a six-figure student balance looks risky on paper, even though their income is about to jump. An attending who just started has a new contract but no two-year history. Standard underwriting hates both situations. That is why banks built physician programs: the borrower profile is strong, the default risk is low, and the standard rules simply do not measure it well. The doctor knows this and hunts for a lender who does.
Qualifying the physician lead
A good lead is a verifiable professional with a contract or a stable position, a clear purchase plan and student debt that fits the lender's treatment. A wasted call is a medical student years from a job, or someone whose profession is outside your program. Doctors are busy and skeptical of sales calls, so your first conversation needs to be short and specific. The form captures career stage and contract status so you open with the right offer.
What the physician loan form asks
The wording respects the borrower's time. It keeps to the facts that decide whether a physician program fits.
- What is your profession and career stage?
- Do you have a signed employment contract, and when does it start?
- Roughly how much do you owe in student loans?
- How much do you have saved for a down payment?
- Which state and city are you buying in?
- When do you want to close?
Reaching doctors with ads
The angle is a mortgage that understands a medical career, not a discount. Audiences lean on professional interests, within Meta's limits for housing ads, and on local markets around hospitals and teaching centers. Facebook and Instagram reach residents at the point they start house-hunting, while Google captures people searching for a doctor loan by name. The landing page promises a straight explanation of physician terms. We reply the same business day, and email follow-up matters because many doctors prefer it to calls.
Compliance for physician loan advertising
Because physician loans are portfolio products, each lender sets its own eligibility, down payment and mortgage insurance terms, so an ad must not state benefits as universal. Calls and texts need TCPA consent from the form. Any rate or payment in an ad triggers Regulation Z and MAP Act terms. Meta places housing ads in a special category with limited targeting. Avoid claims that imply a professional endorsement, and confirm licensing and wording with your compliance contact.
Before you reach out
Do I need a physician loan product to use these leads?
Yes. These are portfolio programs from specific lenders, and an ad cannot promise one you do not offer. Tell us what your bank or credit union provides and we will word it to match.
Are dentists and other professionals included?
Some programs extend beyond physicians, and others do not. The form asks for the profession, so you can see who is eligible under your own guidelines.
How early can a resident apply?
Many programs accept a signed employment contract before the start date. That varies, which is why the form captures contract status and start date.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.