Physicians · Investors
Home loans and real estate,
built for physicians and investors.
One coordinated team finds the home and finances it — with physician loan programs offering up to 100% financing, no mortgage insurance, and underwriting that understands how doctors actually get paid.
No pressure, no obligation — just a clear conversation about what's possible.
- Financing available
- 100%
- Mortgage insurance
- $0
- Loan amounts
- $2M
- & more eligible
- MD · DO
Financing available
Mortgage insurance
Loan amounts
& more eligible
Start where you are
Which path is yours?
Tell us who you are and we'll point you to the right program — no guessing, no generic funnels.
For physicians
I'm a Physician
Finance a home with little or nothing down — before or just after you start a new role — with underwriting built for residents, fellows, and attendings.
For investors
I'm an Investor
Acquisition support, market analysis, and financing options for buy-and-hold, rental, and value-add properties — built to grow a portfolio.
What we do
Three ways we move you forward.
Physician Loans
Up to 100% financing, no PMI, and student-loan-friendly underwriting — qualify on residency income or a signed offer letter.
Learn moreBuying
Relocation-aware homebuying with neighborhood guidance and a closing timeline built around your start date.
Learn moreSelling
Listing, pricing, and concierge prep that positions your home to sell for the most, with the least friction.
Learn moreWhy physicians choose Vilhom
Terms a typical buyer will never see.
This isn't a discount — it's recognition. Lenders treat physicians as the low-risk borrowers they are, which unlocks programs built around how doctors actually get paid.
100%
Financing available
Finance the full purchase price. Qualified buyers can purchase with little to nothing down while protecting cash and savings.
$0
Mortgage insurance
No PMI even above 90% LTV. On a large loan, that alone can save hundreds every single month.
$2M
Loan amounts
Borrow up to $2,000,000 — room for the home that fits the career you've built.
$0 IBR
Student loans set aside
Loans in deferment, forbearance, or $0 IBR payments may be excluded from your DTI while in residency or fellowship.
150 days
Buy before day one
Close on a future signed contract. Your start date can be up to 150 days after closing.
MD · DO
Built for your title
MDs and DOs qualify — including residents and fellows. The program was written for physicians finishing training.
Program terms, rates, and eligibility are subject to change and to credit approval. Not a commitment to lend.
One team, start to keys
How it works.
Most buyers juggle an agent on one side and a lender on the other. With Vilhom, it's one coordinated team and one point of contact.
- 1Step one
We talk
A quick call about where you're headed, your start date, and what home looks like for this chapter.
- 2Step two
Get pre-qualified
Our mortgage partner reviews your offer letter and structures the physician loan around your residency income.
- 3Step three
Find the one
We line up properties that fit your budget, your commute, and your timeline — and we tour the contenders.
- 4Step four
Get the keys
We negotiate, close, and hand you the keys — ideally before day one of your new role.
Trusted by physicians and investors
What clients say.
Placeholder testimonials shown below — real, approved client stories go here before launch.
We closed two weeks before my start date with nothing down. Having the agent and the loan under one roof meant nothing fell through the cracks.
Placeholder — Resident, Anesthesiology
Relocation purchase
They understood my IBR situation immediately and structured everything around my fellowship income. No other lender even came close.
Placeholder — Fellow, Cardiology
First home purchase
As an investor I needed someone who could move fast and knew the numbers. Vilhom delivered on both.
Placeholder — Buy-and-hold investor
Portfolio expansion
Get started
Let's find your place — and finance it right.
Share a few details and we'll reach out to map your options. Call or text anytime at 702.499.4349.
Program terms, rates, and eligibility are subject to change and to credit approval. Not a commitment to lend.