Designed specifically for Florida doctors, residents, dentists, veterinarians, CRNAs, PAs, and NPs. Secure up to $2,000,000 with 0% down and absolute $0 PMI.
Free, confidential quote with zero impact on your credit score.
Gagliano Mortgage offers doctor loan financing for a wide spectrum of medical titles with low-to-zero down payment requirements.
Moving for a Florida residency program at UF Health, Jackson Memorial, Mayo Clinic Jax, or Tampa General? Purchase your home up to 90 days before your contract official start date with zero down payment required.
Calculate your estimated monthly payments, including property taxes, insurance, and Florida HOA dues with $0 PMI.
Florida offers massive income tax benefits, but has unique home buying costs like Doc Stamp Taxes and Intangible Taxes. Here is how Gagliano Mortgage optimizes your Doctor Loan for Florida property.
Florida levies a state Documentary Stamp Tax (0.35%) and Intangible Tax (0.20%) on mortgages. We structure lender credits and work with your Realtor to structure seller-concession strategies so you pay minimal out-of-pocket tax fees at closing.
Florida's Homestead Exemption provides up to $50,000 in property tax valuation reductions and caps annual tax assessment increases at 3% per year (Save Our Homes provision) for primary medical residences.
High medical school debt? Standard underwriting counts 1% of student loans against your DTI. Our Florida doctor loan guidelines allow us to calculate Income-Driven Repayment (IBR) payments—even if $0/month.
Our program covers MDs, DOs, Residents, Fellows, Interns, DDS, DMDs, DVMs, VMDs, DPMs, CRNAs (DNP/DNAP/MSN), PAs, NPs, RNs, PharmDs, DCs, and Optometrists (ODs) purchasing or refinancing primary residences anywhere in Florida.
Yes! Eligible medical professionals can close on their Florida primary home up to 90 days before their official employment or residency start date using an executed employment agreement or offer letter.
Standard mortgages require Private Mortgage Insurance (PMI) if you put down less than 20%. Doctor Loan programs eliminate PMI entirely, saving healthcare professionals hundreds to thousands of dollars per month.