Physician Mortgage Loans in Florida — Low Down Payment, No PMI.
Whether you're practicing in Miami, relocating to Tampa, or finishing residency at University of Miami Miller — 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.
Florida 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 AdventHealth, a resident at University of Miami Miller, or relocating to Miami for a new role — Sean's physician loan programs are available nationwide with the same white-glove service.
Attending Physicians
MDs, DOs, JDs in Florida. Up to $1M, as little as 10% down, no PMI.
Residents & Fellows
Training at University of Miami Miller? Qualify on your signed contract, not current salary.
Relocating to Florida
Moving to Miami or Tampa for a new role? Close before you start.
Construction & Renovation
Building or renovating in Florida? 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 Florida Lenders
Most Florida lenders offer physician loans. Very few offer physician lending strategy.
Serving Physicians Across Florida
Sean works with physicians at every major Florida institution — and nationwide.
Physician mortgage loans available for physicians buying or refinancing in Miami.
Physician mortgage loans available for physicians buying or refinancing in Tampa.
Physician mortgage loans available for physicians buying or refinancing in Orlando.
Physician mortgage loans available for physicians buying or refinancing in Jacksonville.
Residents and fellows can qualify with a signed employment contract.
Residents and fellows can qualify with a signed employment contract.
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.
Attending physicians and staff can access physician loan programs.
Physician Loan FAQ — Florida
Can I get a physician loan if I'm relocating to Florida?
I'm a resident at University of Miami Miller. Can I buy now?
Does Sean work with physicians in Miami and Tampa?
What are the down payment requirements?
Can I build a home in Florida with a physician loan?
Is the AI rate monitoring really free?
Ready to see what you qualify for in Florida?
90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know Florida before you borrow
How closings work in Florida
Title companies or closing attorneys handle the closing; either is common and the contract usually says which. There is no state income tax, which changes how self-employed income reads on a file.
Taxes and transfer costs
The homestead exemption and the Save Our Homes assessment cap reward owner-occupants and long-time owners; a new buyer's tax bill can be much higher than the seller's, so estimate on the purchase price, not the current bill.
Insurance that shapes the file
Wind and hurricane coverage is the file-maker or file-breaker. Citizens is the state-backed insurer of last resort, roof age drives insurability, and coastal and low-lying areas need flood insurance before funding.
Where people are buying
Miami and Fort Lauderdale · Tampa Bay · Orlando · Jacksonville · Naples and Fort Myers · the Panhandle. First-time and lower-down-payment programs run through the Florida Housing Finance Corporation.
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Florida →