Physician Loans · Colorado

Physician Mortgage Loans in Colorado — Low Down Payment, No PMI.

Whether you're practicing in Denver, relocating to Colorado Springs, or finishing residency at University of Colorado School of Medicine — Sean Shallis specializes in physician lending nationwide.

As little as 10% down. No PMI. Up to $1M. Student loan-friendly. Originated through a national portfolio lender.

See What You Qualify ForBook Strategy Call
90-second rate check No credit impact Free forever
Physician Lending in Colorado

Colorado physicians deserve a lender who gets it.

Sean Shallis is a national physician loan specialist who originates through a national portfolio lender, with the same file and the same underwriter from application to close. He's married to a physician — he understands the student debt, the relocations, the delayed gratification, and the earning curve that makes physicians uniquely qualified borrowers.

Whether you're an attending at UCHealth, a resident at University of Colorado School of Medicine, or relocating to Denver for a new role — Sean's physician loan programs are available nationwide with the same white-glove service.

01
Talk to Rosie
Tell Rosie about your Colorado home search or current mortgage. 90 seconds, no forms, no credit impact.
02
Rosie Watches
Rosie monitors Colorado rates multiple times a day. She knows your loan structure and alerts you when savings windows open.
03
Sean Closes It
When the window opens, Sean calls you personally. One phone call. White glove. Loans originated through a top-five U.S. bank.

Attending Physicians

MDs, DOs, JDs in Colorado. Up to $1M, as little as 10% down, no PMI.

Residents & Fellows

Training at University of Colorado School of Medicine? Qualify on your signed contract, not current salary.

Relocating to Colorado

Moving to Denver or Colorado Springs for a new role? Close before you start.

Construction & Renovation

Building or renovating in Colorado? Single-close construction-to-permanent loans available.

10%
Down Payment

As little as 10% down, no PMI — up to $1M

$0
PMI — Ever

No private mortgage insurance, regardless of LTV

Flexible
Student Loan DTI

Underwritten on earning trajectory, not current IBR

30 Days
Average Close

Physician-specific processing lane

Sean vs. Typical Colorado Lenders

Most Colorado lenders offer physician loans. Very few offer physician lending strategy.

Feature
Working With Sean
Typical CO Lender
As little as 10% down, no PMI
—
No PMI at any LTV
—
Student loan-friendly DTI
—
Portfolio lender (keeps your loan)
—
Free rate renegotiation before funding
—
AI rate monitoring (Rosie)
—
Lifetime relationship with your loan officer
—
Available nationwide
—

Serving Physicians Across Colorado

Sean works with physicians at every major Colorado institution — and nationwide.

Denver, CO

Physician mortgage loans available for physicians buying or refinancing in Denver.

Colorado Springs, CO

Physician mortgage loans available for physicians buying or refinancing in Colorado Springs.

Boulder, CO

Physician mortgage loans available for physicians buying or refinancing in Boulder.

University of Colorado School of Medicine

Residents and fellows can qualify with a signed employment contract.

UCHealth

Attending physicians and staff can access physician loan programs.

SCL Health

Attending physicians and staff can access physician loan programs.

Centura Health

Attending physicians and staff can access physician loan programs.

Physician Loan FAQ — Colorado

Can I get a physician loan if I'm relocating to Colorado?
Absolutely. Sean works with physicians relocating to Colorado every month. You can close before you start your new role — all you need is a signed employment contract. Sean handles the timing so you can focus on the move.
I'm a resident at University of Colorado School of Medicine. Can I buy now?
Yes. Physician loan programs let you qualify based on your attending salary — not your resident income. Many Colorado residents buy 60-90 days before starting their attending role.
Does Sean work with physicians in Denver and Colorado Springs?
Sean originates in all 50 states. He works with physicians in every Colorado city, and the physician loan programs are the same regardless of location.
What are the down payment requirements?
No catch. Physician loan programs exist because banks recognize doctors as low-risk borrowers with high earning trajectories. Sean places these loans with a portfolio lender that keeps them on its own books — it wants the long-term relationship.
Can I build a home in Colorado with a physician loan?
Yes. Sean offers construction-to-permanent loans through his lender that combine your build financing and permanent mortgage into a single close. Available for physician-qualified borrowers building in Colorado.
Is the AI rate monitoring really free?
Zero cost, forever. Rosie monitors your rate multiple times a day and alerts you when savings windows open. No subscription, no hidden fees. Sean built it because physicians are too busy to track rates themselves.

Ready to see what you qualify for in Colorado?

90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.

Check My Rate NowBook Strategy Call
More for Colorado: Colorado mortgage guide|Construction loans in Colorado|VA loans in Colorado|Renovation loans in Colorado|Private wealth mortgage in Colorado
Physician Loans — All States|Rate Guardian|About Sean