Physician Mortgage Loans in Washington — Low Down Payment, No PMI.
Whether you're practicing in Seattle, relocating to Tacoma, or finishing residency at University of Washington 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.
Washington 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 UW Medicine, a resident at University of Washington School of Medicine, or relocating to Seattle for a new role — Sean's physician loan programs are available nationwide with the same white-glove service.
Attending Physicians
MDs, DOs, JDs in Washington. Up to $1M, as little as 10% down, no PMI.
Residents & Fellows
Training at University of Washington School of Medicine? Qualify on your signed contract, not current salary.
Relocating to Washington
Moving to Seattle or Tacoma for a new role? Close before you start.
Construction & Renovation
Building or renovating in Washington? 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 Washington Lenders
Most Washington lenders offer physician loans. Very few offer physician lending strategy.
Serving Physicians Across Washington
Sean works with physicians at every major Washington institution — and nationwide.
Physician mortgage loans available for physicians buying or refinancing in Seattle.
Physician mortgage loans available for physicians buying or refinancing in Tacoma.
Physician mortgage loans available for physicians buying or refinancing in Spokane.
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 — Washington
Can I get a physician loan if I'm relocating to Washington?
I'm a resident at University of Washington School of Medicine. Can I buy now?
Does Sean work with physicians in Seattle and Tacoma?
What are the down payment requirements?
Can I build a home in Washington with a physician loan?
Is the AI rate monitoring really free?
Ready to see what you qualify for in Washington?
90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know Washington before you borrow
How closings work in Washington
Escrow companies handle closings; attorneys are uncommon at the table. There is no state income tax.
Taxes and transfer costs
The seller pays a real estate excise tax on the sale, and property taxes are set locally with voter-approved levies that move year to year.
Insurance that shapes the file
Earthquake coverage is a separate policy most owners skip, and lenders do not require it; river and coastal flood zones do require flood insurance.
Where people are buying
Seattle · Bellevue and the Eastside · Tacoma · Spokane · Vancouver. First-time and lower-down-payment programs run through the Washington State Housing Finance Commission.
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Washington →