Physician Loans · Utah

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

Whether you're practicing in Salt Lake City, relocating to Provo, or finishing residency at University of Utah 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 ForBook Strategy Call
90-second rate check No credit impact Free forever
Physician Lending in Utah

Utah 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 University of Utah Health, a resident at University of Utah School of Medicine, or relocating to Salt Lake 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 Utah home search or current mortgage. 90 seconds, no forms, no credit impact.
02
Rosie Watches
Rosie monitors Utah 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 Utah. Up to $2.5M, as little as 5% down, no PMI.

Residents & Fellows

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

Relocating to Utah

Moving to Salt Lake City or Provo for a new role? Close before you start.

Construction & Renovation

Building or renovating in Utah? 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. Utah Lenders

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

Feature
Sean + U.S. Bank
Typical UT 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
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Available nationwide
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Serving Physicians Across Utah

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

Salt Lake City, UT

Physician mortgage loans available for physicians buying or refinancing in Salt Lake City.

Provo, UT

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

Ogden, UT

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

University of Utah School of Medicine

Residents and fellows can qualify with a signed employment contract.

University of Utah Health

Attending physicians and staff can access physician loan programs.

Intermountain Health

Attending physicians and staff can access physician loan programs.

Physician Loan FAQ — Utah

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

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

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