Welcome AOA Members

PhysicianLoans is proud to serve you as the AOA's preferred mortgage provider.

PhysicianLoans is a proud AOA partner.

Moving? Planning to buy a home? PhysicianLoans and the American Osteopathic Association make getting started easy. With one call or online request, you will be matched with a vetted and trusted loan officer who specializes in serving physicians.

And because we look out for the ones who look out for others, we offer home financing with less money down, no PMI, great rates, and expanded underwriting guidelines when compared to standard loans. By using our service, not only are you getting a unique physician mortgage loan but a knowledgeable guide through the home buying process. Our loan officers are with you from early planning stages, to pre-qualification, to final approval and closing.

A Special Offer for AOA Members

AOA members who buy a home using the physicians mortgage loan have the option to receive reimbursement of up to three months of a home warranty plan. Members using PhysicianLoans for financing should contact their mortgage loan officer for additional details.

Get Started

Our Easy Steps To Success

The support you need when buying a home – in just a few easy steps.
Step 1

Be Matched With A Mortgage Loan Officer

Work with an experienced Mortgage Loan Officer who can help you get the financing you need.

Get Started

Step 2

Pre-Qualify for a Loan

Your Loan Officer will provide a free Pre-Qualification so that you can begin your search for the place you will call home.

Step 3

The Mortgage Process

With your Mortgage Loan Officer by your side, you’ll have someone with you to help simplify the process and answer any questions.


Program only available to medical doctors who have a minimum degree of M.D., D.O., D.M.D., D.V.M., or D.D.S. and proof of sufficient income or active employment contract with proof of sufficient income and reserves. Minimum reserves required vary depending on amount of the loan. Maximum loan amount at 100% financing is $1,000,000, at 95% financing is $1,250,000 and 90% financing is $2,000,000. Loan-to-value (LTV) financing options vary based on customer FICO score. Maximum overall loan amount is $2,000.000 with a maximum overall cash out option of $250,000 for refinances. Program is limited to the purchase or refinance of a primary residence. All loans are subject to application and credit approval, satisfactory appraisal and title insurance.