Physician Loans · Kentucky

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

Whether you're practicing in Louisville, relocating to Lexington, or finishing residency at University of Louisville — 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.

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90-second rate check No credit impact Free forever
Physician Lending in Kentucky

Kentucky 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 Norton Healthcare, a resident at University of Louisville, or relocating to Louisvillefor a new role — Sean's physician loan programs are available nationwide with the same white-glove service.

01
Talk to Rosie
Tell Rosie about your Kentucky home search or current mortgage. 90 seconds, no forms, no credit impact.
02
Rosie Watches
Rosie monitors Kentucky rates multiple times a day. She knows your loan structure and alerts you when savings windows open.
03
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 Kentucky. Up to $2.5M, as little as 5% down, no PMI.

Residents & Fellows

Training at University of Louisville? Qualify on your signed contract, not current salary.

Relocating to Kentucky

Moving to Louisville or Lexington for a new role? Close before you start.

Construction & Renovation

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

5%
Down Payment

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

$0
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. Kentucky Lenders

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

Feature
Sean + U.S. Bank
Typical KY Lender
As little as 5% down, no PMI
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No PMI at any LTV
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Student loan-friendly DTI
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Portfolio lender (keeps your loan)
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Free rate renegotiation before funding
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AI rate monitoring (Rosie)
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Lifetime relationship with your loan officer
—
Available nationwide
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Serving Physicians Across Kentucky

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

Louisville, KY

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

Lexington, KY

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

Bowling Green, KY

Physician mortgage loans available for physicians buying or refinancing in Bowling Green.

University of Louisville

Residents and fellows can qualify with a signed employment contract.

University of Kentucky College of Medicine

Residents and fellows can qualify with a signed employment contract.

Norton Healthcare

Attending physicians and staff can access physician loan programs.

UK HealthCare

Attending physicians and staff can access physician loan programs.

Baptist Health

Attending physicians and staff can access physician loan programs.

Physician Loan FAQ — Kentucky

Can I get a physician loan if I'm relocating to Kentucky?
Absolutely. Sean works with physicians relocating to Kentucky 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 University of Louisville. Can I buy now?
Yes. Physician loan programs let you qualify based on your attending salary — not your resident income. Many Kentucky residents buy 60-90 days before starting their attending role.
Does Sean work with physicians in Louisville and Lexington?
Sean is licensed nationwide and works with physicians in every Kentucky 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 Kentucky 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 Kentucky.
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 Kentucky?

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

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