Physician Mortgage Loans in Connecticut — Low Down Payment, No PMI.
Whether you're practicing in Hartford, relocating to New Haven, or finishing residency at Yale 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.
Connecticut 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 Yale New Haven Health, a resident at Yale School of Medicine, or relocating to Hartford for a new role — Sean's physician loan programs are available nationwide with the same white-glove service.
Attending Physicians
MDs, DOs, JDs in Connecticut. Up to $1M, as little as 10% down, no PMI.
Residents & Fellows
Training at Yale School of Medicine? Qualify on your signed contract, not current salary.
Relocating to Connecticut
Moving to Hartford or New Haven for a new role? Close before you start.
Construction & Renovation
Building or renovating in Connecticut? Single-close construction-to-permanent loans available.
As little as 10% down, no PMI — up to $1M
No private mortgage insurance, regardless of LTV
Underwritten on earning trajectory, not current IBR
Physician-specific processing lane
Sean vs. Typical Connecticut Lenders
Most Connecticut lenders offer physician loans. Very few offer physician lending strategy.
Serving Physicians Across Connecticut
Sean works with physicians at every major Connecticut institution — and nationwide.
Physician mortgage loans available for physicians buying or refinancing in Hartford.
Physician mortgage loans available for physicians buying or refinancing in New Haven.
Physician mortgage loans available for physicians buying or refinancing in Stamford.
Residents and fellows can qualify with a signed employment contract.
Residents and fellows can qualify with a signed employment contract.
Attending physicians and staff can access physician loan programs.
Attending physicians and staff can access physician loan programs.
Physician Loan FAQ — Connecticut
Can I get a physician loan if I'm relocating to Connecticut?
I'm a resident at Yale School of Medicine. Can I buy now?
Does Sean work with physicians in Hartford and New Haven?
What are the down payment requirements?
Can I build a home in Connecticut with a physician loan?
Is the AI rate monitoring really free?
Ready to see what you qualify for in Connecticut?
90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know Connecticut before you borrow
How closings work in Connecticut
An attorney state: closings are conducted by attorneys, and buyers retain their own counsel.
Taxes and transfer costs
Property taxes are set by each town's mill rate and vary widely; the seller pays state and municipal conveyance taxes at closing.
Insurance that shapes the file
Shoreline properties carry flood and wind requirements; older inland homes prompt questions about oil tanks, roofs and knob-and-tube wiring.
Where people are buying
Fairfield County and Stamford · New Haven · Hartford · the Shoreline · Litchfield County. First-time and lower-down-payment programs run through the Connecticut Housing Finance Authority (CHFA).
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Connecticut →