Physician Loans are available to borrowers across New York through licensed lenders and brokers. Eligibility, documentation and terms vary by borrower, property and investor, so the right fit depends on your situation.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
New York recording costs: Mortgage recording tax (state, plus local mortgage recording taxes in New York City, Yonkers and some counties), paid to the county recording office when the mortgage is recorded; real estate transfer tax on deeds/conveyances (filed with Form TP-584, or TP-584-NYC in New York City), including the additional 'mansion tax' on higher-priced residential purchases, which is paid by the buyer. Your Loan Estimate lists the taxes that apply to your loan.
Where physician loans activity is highest in New York
| County | loans originated (2024 HMDA) |
|---|---|
| New York County | 1,407 |
| Kings County | 1,064 |
| Westchester County | 800 |
| Suffolk County | 724 |
| Nassau County | 692 |
| Queens County | 122 |
| Rockland County | 90 |
| Saratoga County | 80 |
| Dutchess County | 79 |
| Erie County | 79 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Find a lender near you in New York
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Related guides
- Physician Mortgage Loans: What Doctors Should Know
- Jumbo Loans Explained
- How Mortgage Preapproval Works
- First-Time Home Buyer Programs in New York
Physician Loans overview · New York mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025