Physician Mortgage Loans in Massachusetts — Low Down Payment, No PMI.
Whether you're practicing in Boston, relocating to Cambridge, or finishing residency at Harvard Medical School — 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.
Massachusetts 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 Mass General Brigham, a resident at Harvard Medical School, or relocating to Boston for a new role — Sean's physician loan programs are available nationwide with the same white-glove service.
Attending Physicians
MDs, DOs, JDs in Massachusetts. Up to $1M, as little as 10% down, no PMI.
Residents & Fellows
Training at Harvard Medical School? Qualify on your signed contract, not current salary.
Relocating to Massachusetts
Moving to Boston or Cambridge for a new role? Close before you start.
Construction & Renovation
Building or renovating in Massachusetts? 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 Massachusetts Lenders
Most Massachusetts lenders offer physician loans. Very few offer physician lending strategy.
Serving Physicians Across Massachusetts
Sean works with physicians at every major Massachusetts institution — and nationwide.
Physician mortgage loans available for physicians buying or refinancing in Boston.
Physician mortgage loans available for physicians buying or refinancing in Cambridge.
Physician mortgage loans available for physicians buying or refinancing in Worcester.
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 — Massachusetts
Can I get a physician loan if I'm relocating to Massachusetts?
I'm a resident at Harvard Medical School. Can I buy now?
Does Sean work with physicians in Boston and Cambridge?
What are the down payment requirements?
Can I build a home in Massachusetts with a physician loan?
Is the AI rate monitoring really free?
Ready to see what you qualify for in Massachusetts?
90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know Massachusetts before you borrow
How closings work in Massachusetts
An attorney state: the lender's closing attorney conducts the closing, and buyers usually retain their own counsel for the purchase-and-sale agreement.
Taxes and transfer costs
Property taxes are set town by town, and many towns offer a residential exemption for owner-occupants. Home sales of properties on septic systems require a Title 5 inspection before closing.
Insurance that shapes the file
Coastal and Cape properties carry flood-zone and wind considerations; older housing stock means insurers ask about roof, heating and electrical age.
Where people are buying
Boston and Cambridge · the North Shore · MetroWest · Worcester · Springfield · Cape Cod. First-time and lower-down-payment programs run through the MassHousing.
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Massachusetts →