which lenders offer the most competitive zero down

[Paul S]

mortgages for physicians?

[Persephone]

It all depends on what your credit score and history is. There are actually Loans to where the Closing costs can be included with the loan. That means you have to come up with no money what-so-ever. So I guess the best answer is it depends on if you have good credit to go with an "A Paper" bank or bad credit to go with a "B Paper" bank to decide on which bank would be most competitive.

[Ms_KMH]

The first answer is good, but too confusing. Everything depends on YOUR score and how much MONEY you are willing to spend. BUYER BEWARE !!!Promises are made to be broken. You should get a FREE pre-approval from a Mortgage Broker. There are literally hundreds of lenders that provide zero down financing so you won't have trouble finding someone to get you approved. Since you are a physician, get the following stuff ready for the loan officer. If you have a practice, you will need at least 12 months worth of your BUSINESS bank statements and 2-years of business licenses. If you work as part of a staff, you will need to prove that you now have a job and that you graduated and are working in the field of your major. Don't get too bogged down on "Competitive"...there's no such thing as a free lunch. Trust me, you want to pay your own closing costs because that means a lower interest rate. In most cases, the seller should pay ALL of your closing costs for YOU, make sure you ask! Another caveat, zero down means no PMI, but the interest rate (APR) is usually 1.5% higher than those advertised > 6% even with credit scores in the high 600s and 700s. But look at the bright side, the interest is tax deductible....Private Mortgage Insurance isn't. Good Luck!!!