Physician Mortgage Loans in Utah — Low Down Payment, No PMI.
Whether you're practicing in Salt Lake City, relocating to Provo, or finishing residency at University of Utah 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.
Utah 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 University of Utah Health, a resident at University of Utah School of Medicine, or relocating to Salt Lake City for a new role — Sean's physician loan programs are available nationwide with the same white-glove service.
Attending Physicians
MDs, DOs, JDs in Utah. Up to $1M, as little as 10% down, no PMI.
Residents & Fellows
Training at University of Utah School of Medicine? Qualify on your signed contract, not current salary.
Relocating to Utah
Moving to Salt Lake City or Provo for a new role? Close before you start.
Construction & Renovation
Building or renovating in Utah? 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 Utah Lenders
Most Utah lenders offer physician loans. Very few offer physician lending strategy.
Serving Physicians Across Utah
Sean works with physicians at every major Utah institution — and nationwide.
Physician mortgage loans available for physicians buying or refinancing in Salt Lake City.
Physician mortgage loans available for physicians buying or refinancing in Provo.
Physician mortgage loans available for physicians buying or refinancing in Ogden.
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 — Utah
Can I get a physician loan if I'm relocating to Utah?
I'm a resident at University of Utah School of Medicine. Can I buy now?
Does Sean work with physicians in Salt Lake City and Provo?
What are the down payment requirements?
Can I build a home in Utah with a physician loan?
Is the AI rate monitoring really free?
Ready to see what you qualify for in Utah?
90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know Utah before you borrow
How closings work in Utah
Title companies run closings; attorneys are rarely involved.
Taxes and transfer costs
Owner-occupied homes receive a primary-residence property-tax exemption that second homes and rentals do not, so the tax bill changes with how you use the home.
Insurance that shapes the file
Wildland-urban-interface lots along the benches and canyons face wildfire underwriting; earthquake coverage is optional and rarely required.
Where people are buying
Salt Lake City · Provo and Utah County · Ogden · Park City · St. George. First-time and lower-down-payment programs run through the Utah Housing Corporation.
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Utah →