Whether you are looking at a physician loan or another type of program your credit score is going to determine what your options are. Let’s specifically address physician loans. Since the benefit of this program is having the ability to do 95% financing with no Private Mortgage Insurance there WILL be credit score requirements. Many lenders will require a minimum credit score of 720 and I have seen up to 740, without exception. When there is a minimum credit score requirement and your score isn’t high enough you may miss out on the ability to do 95% financing and in some cases a more favorable interest rate. In order to avoid not being able to take advantage of these great types of programs I would recommend the following: