Physician Loans · New York

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

Whether you're practicing in New York City, relocating to Buffalo, or finishing residency at Columbia — 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 York

New York 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 NYU Langone, a resident at Columbia, or relocating to New York Cityfor 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 York home search or current mortgage. 90 seconds, no forms, no credit impact.
02
Rosie Watches
Rosie monitors New York 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 York. Up to $2.5M, as little as 5% down, no PMI.

Residents & Fellows

Training at Columbia? Qualify on your signed contract, not current salary.

Relocating to New York

Moving to New York City or Buffalo for a new role? Close before you start.

Construction & Renovation

Building or renovating in New York? 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 York Lenders

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

Feature
Sean + U.S. Bank
Typical NY 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)
—
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 New York

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

New York City, NY

Physician mortgage loans available for physicians buying or refinancing in New York City.

Buffalo, NY

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

Rochester, NY

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

Albany, NY

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

Columbia

Residents and fellows can qualify with a signed employment contract.

Cornell Weill

Residents and fellows can qualify with a signed employment contract.

NYU Grossman

Residents and fellows can qualify with a signed employment contract.

Mount Sinai

Residents and fellows can qualify with a signed employment contract.

Albert Einstein

Residents and fellows can qualify with a signed employment contract.

NYU Langone

Attending physicians and staff can access physician loan programs.

NewYork-Presbyterian

Attending physicians and staff can access physician loan programs.

Northwell Health

Attending physicians and staff can access physician loan programs.

Mount Sinai Health System

Attending physicians and staff can access physician loan programs.

Physician Loan FAQ — New York

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

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

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