Some physician mortgage lenders place a limit on the length of time that you have been out of residency. Other lenders have no restricts whatsoever on length of time since residency. If it has been over 10 years since you have graduated medical school, make sure to ask the mortgage specialist right away if their bank has any restrictions on residency. If this is something you ask upfront before starting the conversation with your loan officer, it will save you time in the long run. The sooner you know, the sooner you can move onto another bank that offers a Doctor or Residency Mortgage Loan without any residency time requirements.