Physician & Dentist Home Loans · Tampa Bay
You spent a decade earning your degree.
Your mortgage shouldn't punish you for it.
I'm Trace Kuhn, a mortgage loan officer at Fifth Third Bank. I built this site as a resource based on the questions I'm asked most often by the doctors, dentists, and residents I work with every day.
Why I Built This
A resident called me three weeks before her start date. Two other lenders had already told her no.
She had the offer letter. She had the credit. What she didn't have was two years of tax returns showing a physician's income, because she hadn't earned one yet. That's the exact gap a doctor loan is built to close, and it's the reason I focus almost entirely on physicians, dentists, and residents moving into the Tampa Bay area.
Fifth Third doesn't run a dedicated web page for this. So I built one myself, with the questions I hear most and straight answers about how the program actually works.
"My job is to make sure the mortgage process fits your career, not the other way around."
The Doctor Loan Difference
Underwriting that actually understands how a medical career works
Traditional mortgages are built around W-2 history and cash reserves. A doctor loan is built around where your income is headed, which is exactly the picture most physicians and dentists are working with early in their careers.
Low to no down payment
Finance up to $1,250,000 with no down payment required, and higher amounts with a modest down payment as your loan size grows.
No PMI, ever
You won't pay private mortgage insurance even with less than 20% down. On a typical loan that's real money back in your pocket every month.
An offer letter can be enough
Residents, fellows, and new attendings can often qualify using a signed employment contract, so you don't have to wait for your first paycheck to buy.
Program details reflect Fifth Third Bank's Physician Mortgage Program and are subject to credit approval and change. Source: Fifth Third Bank.
How It Works
Three conversations, not thirty
Tell me where you are
Resident, fellow, new attending, or established physician; W-2 or 1099. I need to know your story before I can tell you what fits.
I match you to the right program
New Doctor Loan or Established Doctor and Dentist Loan, fixed or adjustable, purchase or refinance. I walk you through the actual numbers.
We close on your timeline
Closing before your start date, coordinating with a new city, moving your family. I've done this enough times to keep it calm.
Two Programs, One Goal
Built for wherever you are in your career
New Doctor Loan
For licensed interns, residents, and fellows currently in training, starting within 90 days, or within 12 months of finishing residency.
- Qualify on a signed employment contract
- Close up to 90 days before your start date
- No PMI, no down payment up to $750K
Established Doctor & Dentist Loan
For physicians and dentists with 12+ months on the job, or a year of self-employment in their own practice.
- Finance up to $2 million with 10% down
- No PMI regardless of down payment
- Fixed and adjustable options, purchase or refinance
Local to Tampa Bay
I work here. I know the hospitals, the practices, and the neighborhoods.
From Tampa General and USF Health to the private practices opening up across Lutz, Wesley Chapel, and St. Petersburg, I've helped physicians and dentists find their footing in this market. Buying a home while starting a new position in a new city is a lot. Having someone local who has already done this a hundred times makes it lighter.
Ask About Your Area
Real Questions
The questions I hear on almost every call
Down payments, student loans, closing before your start date. I've put the honest answers on one page.
Read the Full FAQReady to see your real numbers, or just have one question first?
Either way, I'm the one who picks up. No call centers, no hand-offs.