- golf@lendworkz.com
- (813) 299-3320
Tampa Bay mortgage lender — get a real rate quote in 24 hours
Physician loan programs are built around a simple reality: a doctor with an employment contract and $300,000 of student debt is not a credit risk in the way a conventional underwriter would score them. Golf Phuphanich places physician and professional loans across Tampa Bay for residents, fellows, and attending physicians at Tampa General, Moffitt, AdventHealth, BayCare, and USF Health.
A specialty mortgage for medical professionals that allows low or no down payment without mortgage insurance, treats student loan debt more favorably, and can use a signed employment contract as qualifying income.
Often yes. Many programs are specifically designed for residents and fellows, using the executed contract rather than pay history.
Not necessarily. Eligible designations commonly include MD, DO, DDS, DMD, and DVM, and some lenders extend programs to PAs, NPs, and CRNAs. It varies by lender.
No. Sometimes conventional with 20% down is cheaper, especially if you have savings and modest student debt. The comparison is worth running rather than assuming.
Golf works with physicians across Tampa General, Moffitt Cancer Center, AdventHealth, BayCare, and USF Health, plus private practices throughout Hillsborough, Pasco, and Pinellas counties.
Golf Phuphanich brings years of hands-on mortgage experience, honest advice, and a personal commitment to every client guiding you from the first call straight through to closing day.
Golf secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.
Golf offers free, no-obligation consultations to every client so you can explore your options without any pressure or upfront cost.
Golf monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.
Golf is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.
Many physician programs allow high loan-to-value financing with no monthly mortgage insurance — a combination not available on standard conventional loans.
Deferred or income-driven student loan payments are often excluded or calculated favorably, which is usually the single biggest factor in whether a resident qualifies at all.
An executed employment contract with a start date can frequently be used to qualify before your first paycheck arrives — useful when you are relocating to Tampa for a new position.
Program eligibility varies by lender and typically covers MD, DO, DDS, DMD, DVM, and in some cases PA, NP, CRNA, and other advanced practice designations. Because eligibility differs lender to lender, this is a product where shopping matters.
Golf Phuphanich works with buyers and homeowners throughout Tampa Bay from the Lendworkz LLC office in Lutz, FL: Tampa, South Tampa, Lutz, Wesley Chapel, Land O’ Lakes, Carrollwood, Westchase, Brandon, Riverview, New Tampa, and the surrounding Hillsborough, Pasco, and Pinellas county communities.
Call or text Golf at (813) 299-3320, or email golf@lendworkz.com. Golf Phuphanich — Broker NMLS #291838 | Lendworkz LLC NMLS #2780991. Equal Housing Opportunity.
