Physician Loans · Alabama

Physician Mortgage Loans in Alabama — Low Down Payment, No PMI.

Whether you're practicing in Birmingham, relocating to Huntsville, or finishing residency at UAB School of Medicine — Sean Shallis specializes in physician lending nationwide.

Up to $2.5M. As little as 5% down. No PMI. Student loan-friendly. Loans originated through U.S. Bank.

See What You Qualify For Book Strategy Call

90-second rate check No credit impact Free forever

Physician Lending in Alabama

Alabama physicians deserve a lender who gets it.

Sean Shallis is a national physician loan specialist backed by U.S. Bank. 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 UAB Health System, a resident at UAB School of Medicine, or relocating to Birminghamfor a new role — Sean's physician loan programs are available nationwide with the same white-glove service.

Talk to Rosie

Tell Rosie about your Alabama home search or current mortgage. 90 seconds, no forms, no credit impact.

Rosie Watches

Rosie monitors Alabama rates multiple times a day. She knows your loan structure and alerts you when savings windows open.

Sean Closes It

When the window opens, Sean calls you personally. One phone call. White glove. Loans originated through U.S. Bank.

Attending Physicians

MDs, DOs, JDs in Alabama. Up to $2.5M, as little as 5% down, no PMI.

Residents & Fellows

Training at UAB School of Medicine? Qualify on your signed contract, not current salary.

Relocating to Alabama

Moving to Birmingham or Huntsville for a new role? Close before you start.

Construction & Renovation

Building or renovating in Alabama? Single-close construction-to-permanent loans available.

Down Payment

As little as 5% down on loans up to $1M — no PMI

PMI — Ever

No private mortgage insurance, regardless of LTV

Flexible

Student Loan DTI

Underwritten on earning trajectory, not current IBR

30 Days

Average Close

Physician-specific processing lane

Sean + U.S. Bank vs. Alabama Lenders

Most Alabama lenders offer physician loans. Very few offer physician lending strategy.

Feature

Sean + U.S. Bank

Typical AL Lender

As little as 5% down, no PMI

—

No PMI at any LTV

—

Student loan-friendly DTI

—

Portfolio lender (keeps your loan)

—

Free rate renegotiation before funding

—

AI rate monitoring (Rosie)

—

Lifetime relationship with your loan officer

—

Available nationwide

—

Serving Physicians Across Alabama

Sean works with physicians at every major Alabama institution — and nationwide.

Birmingham, AL

Physician mortgage loans available for physicians buying or refinancing in Birmingham.

Huntsville, AL

Physician mortgage loans available for physicians buying or refinancing in Huntsville.

Mobile, AL

Physician mortgage loans available for physicians buying or refinancing in Mobile.

UAB School of Medicine

Residents and fellows can qualify with a signed employment contract.

University of South Alabama

Residents and fellows can qualify with a signed employment contract.

UAB Health System

Attending physicians and staff can access physician loan programs.

Huntsville Hospital

Attending physicians and staff can access physician loan programs.

Physician Loan FAQ — Alabama

Can I get a physician loan if I'm relocating to Alabama?

Absolutely. Sean works with physicians relocating to Alabama every month. You can close before you start your new role — all you need is a signed employment contract. Sean handles the timing so you can focus on the move.

I'm a resident at UAB School of Medicine. Can I buy now?

Yes. Physician loan programs let you qualify based on your attending salary — not your resident income. Many Alabama residents buy 60-90 days before starting their attending role.

Does Sean work with physicians in Birmingham and Huntsville?

Sean is licensed nationwide and works with physicians in every Alabama city. U.S. Bank provides the same physician loan programs regardless of location.

What are the down payment requirements?

No catch. Physician loan programs exist because banks recognize doctors as low-risk borrowers with high earning trajectories. U.S. Bank portfolios these loans — they want the long-term relationship.

Can I build a home in Alabama with a physician loan?

Yes. U.S. Bank offers construction-to-permanent loans that combine your build financing and permanent mortgage into a single close. Available for physician-qualified borrowers building in Alabama.

Is the AI rate monitoring really free?

Zero cost, forever. Rosie monitors your rate multiple times a day and alerts you when savings windows open. No subscription, no hidden fees. Sean built it because physicians are too busy to track rates themselves.

Ready to see what you qualify for in Alabama?

90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.

Check My Rate Now Book Strategy Call

Physician Loans — All States|Rate Guardian|About Sean