My name is Ryan Renner, and I’m a Realtor in Omaha.

Below, you will find information about special home loans for medical professionals.

If you are ready to apply, check out my list of preferred loan officers for doctors in Omaha.

If you are ready to start looking for homes or have any questions, please reach out to me. I’m here to help.

University of Nebraska Medical Center - UNMC - Logo
Creighton University School of Medicine
Methodist Hospital
Children's Hospital Omaha
CHI Health

What is a Physician Loan?

Watch the video below to learn what a doctor loan is, who is eligible, and how it differs from a conventional loan.

Frequently Asked Question

Who is eligible?

Medical doctors and residents are eligible for physician loan programs. This generally includes, but is not limited to, the following types of doctors.

  • Allergists/Immunologists
  • Anesthesiologists
  • Cardiologist
  • Colon and Rectal Surgeons
  • Critical Care Specialists
  • Dermatologists
  • Doctor of Dental Surgery
  • Doctor of Dental Medicine
  • Endocrinologists
  • Emergency Medical Specialists
  • Family Physicians
  • Gastroenterologists
  • Geriatric Medicine Specialists
  • Hematologists
  • Hospice and Palliative Medicine Specialists
  • Infectious Disease Specialists
  • Internists
  • Maxillofacial and Oral Surgeons
  • Medical Geneticists
  • Nephrologists
  • Neurologists
  • Obstetricians and Gynecologists
  • Oncologists
  • Ophthalmologists
  • Osteopaths
  • Otolaryngologists
  • Pathologists
  • Pediatricians
  • Physiatrists
  • Plastic Surgeons
  • Podiatrists
  • Preventive Medicine Specialists
  • Psychiatrists
  • Pulmonologists
  • Radiologists
  • Rheumatologists
  • Sleep Medicine Specialists
  • Sports Medicine Specialists
  • General Surgeons
  • Urologists

How Much Can I Get Approved For?

This is dependent on your debt-to-income ratio. Your student loans may be excluded if you defer them for 12 months (this will vary from lender to lender).

How Much Do I Need For a Down Payment?

Some lenders require no down payment for loans below $500,000. The exact down payment will vary from lender to lender.

How is a physician loan different from a conventional loan?

A major difference is the down payment. A conventional loan will require a minimum 3% down, while the physician loan allows you to finance 100% of the purchase.

Another difference is a conventional mortgage has a fixed rate while a physician loan is a variable-rate mortgage. The variable rate is fixed for usually 5, 7, or 10 years. The theory is you will sell or refinance your home before the rate changes.

Can I buy a home before my residency or new position starts?

Yes, it’s possible, but it depends on the lender. Some lenders will be able to approve you and close on a home before your new program starts.

What do I need to provide the lender to get pre-approved?

The lender will need all your personal information, current financial information as well as the offer letter from your new program.

My Preferred Loan Officers For Doctors

Not every lender in Omaha offers physician loans. The ones below can. I’ve personally done transactions with each of them.I know and trust them. And you are in good hands with any of them.

Vasili Sakkas



Greg Acero



Joe Dobrovolny

Equitable Bank


Let’s Work Together

I have helped a lot of medical professionals in your exact situation.

If you need help buying a home, have questions about Omaha, or anything else, please reach out to me.

Phone: 402-321-4578
Email: [email protected]

Testimonials From Doctors I’ve Worked With

“Ryan was a lifesaver! We were moving from out of town on a tight budget, short timeframe, and specific commute in mind. I would definitely recommend him!”

Tonya & Spencer | Creighton – OB/GYN Resident
Christopher and Kelsey

“Ryan was so helpful in helping us find our new home. Ryan’s knowledge of the area was evident throughout the process, and he was so quick to respond to all of our questions.”

Kelsey & Christopher | Creighton School of Dentistry