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Can you buy a home as a Doctor with massive student loans and no down payment? Today I'm sharing how we used a Physician Loan to buy our first house just a few years after Optometry school. As an Associate Doctor, the path to homeownership looked impossible until I discovered the Doctor Loan. In this video, I break down the closing costs, the interest rates, and why we chose a $0 down payment strategy to keep our cash liquid for the future. Whether you're an OD, MD, or DDS, this specialized mortgage is a game-changer. The Chapters: 0:00 - The $0 Down Reality 1:00 - Why Conventional Loans didn’t work for us 1:12 - What is a Physician Loan? (The "Doctor Loan") 1:42 - 3 Tips for Associate Doctors buying a home 2:45 - When I Made the Decision to Buy 4:05 - Choosing the Right Loan 4:15 - Raw Thoughts on Buying a Home 5:55 - GRWM for Closing Day 7:31 - Closing Day: The Paperwork & Process 7:53 - JP's Mortgage Payment Strategy 9:14 - Celebratory Meal After Closing 10:29 - What’s next... (The Cliffhanger)