Tell us the metro, the degree, and how long you are staying
Program and regulatory figures verified October 5, 2026. Details change; confirm your scenario with us.
The fastest route to a useful answer is your metro, your credential, roughly what you earn, what your student loans cost you, and how long you expect to own the house.
What should I send?
Metro, degree, your start date if you have not begun yet, approximate income, and your student loan balance with the documented monthly payment.
★ And one more thing we ask for that other lenders do not: how long you expect to stay. With every major Florida metro falling year over year and markets taking 67 to 130 mean days to pending, a three-year horizon and a ten-year horizon get different advice from us.
What comes back?
What the programme supports at your numbers, and an honest read on whether a physician loan is the right product for you — including whether putting money down makes more sense here than it would elsewhere. Where each route wins.
If your horizon is short, we will say that buying may not be the right call. That is a conversation worth having before you are in it rather than after.
Can you help with my FRAME application?
No — that runs through the Florida Department of Health, and the next cycle is 2027 (primary care and mental health March 1 to April 30, dental March 1 to June 30).
What we can do is make sure your mortgage is not built on an award that may not arrive, or may arrive at the $63,821 average rather than the $150,000 cap. Who FRAME covers.
Do you lend across all of Florida?
Yes, all 67 counties. Conforming limits are $832,750 in 66 of them, with Monroe County — the Keys — the only county above baseline at $990,150.
What varies by metro is price and pace: Miami, Tampa and Orlando, Jacksonville.
Frequently asked questions
How do I apply for a Florida physician loan?
Through a lender that offers the programme. Send your metro, degree, start date, approximate income, student loan documentation showing the actual scheduled payment, and how long you expect to own the home, and our team can tell you what the programme supports before you start looking.Do you lend across all of Florida?
Yes, all 67 counties. Conforming limits are $832,750 in 66 of them, with Monroe County covering the Keys the only county above baseline at $990,150. What varies by metro is price and how long homes take to sell.How quickly will someone respond?
Our team reviews every Florida physician scenario and reaches out shortly, usually with what the programme supports at your numbers and an honest read on whether a physician loan is the right product for you. If something is time sensitive, calling (480) 296-6513 is faster than the form.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal, tax, or licensure advice. Physician-loan program terms, eligible degrees, and overlays are set by the lender and change; Florida FRAME award amounts, eligibility and application cycles change too. Confirm your scenario with us and your program administrator. All loans are subject to borrower and property qualification, including credit and income review.