Physician Loans · New Hampshire

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

Whether you're practicing in Manchester, relocating to Nashua, or finishing residency at Geisel School of Medicine at Dartmouth — 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 ForBook Strategy Call
90-second rate check No credit impact Free forever
Physician Lending in New Hampshire

New Hampshire 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 Dartmouth-Hitchcock Medical Center, a resident at Geisel School of Medicine at Dartmouth, or relocating to Manchesterfor 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 New Hampshire home search or current mortgage. 90 seconds, no forms, no credit impact.
02
Rosie Watches
Rosie monitors New Hampshire 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 New Hampshire. Up to $2.5M, as little as 5% down, no PMI.

Residents & Fellows

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

Relocating to New Hampshire

Moving to Manchester or Nashua for a new role? Close before you start.

Construction & Renovation

Building or renovating in New Hampshire? 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. New Hampshire Lenders

Most New Hampshire lenders offer physician loans. Very few offer physician lending strategy.

Feature
Sean + U.S. Bank
Typical NH 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 New Hampshire

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

Manchester, NH

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

Nashua, NH

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

Concord, NH

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

Geisel School of Medicine at Dartmouth

Residents and fellows can qualify with a signed employment contract.

Dartmouth-Hitchcock Medical Center

Attending physicians and staff can access physician loan programs.

Elliot Health System

Attending physicians and staff can access physician loan programs.

Physician Loan FAQ — New Hampshire

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

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

Check My Rate NowBook Strategy Call
Physician Loans — All States|Rate Guardian|About Sean