export default function PhysicianLoanPage({ branding, navigate, onContactSubmit }) { const [formData, setFormData] = React.useState({ name: '', email: '', phone: '', school: '', graduationDate: '', }); const [formStatus, setFormStatus] = React.useState('idle'); // 'idle' | 'sending' | 'sent' | 'error' const [faqOpen, setFaqOpen] = React.useState(null); const [scrollY, setScrollY] = React.useState(0); const [heroVisible, setHeroVisible] = React.useState(false); const [animatedStats, setAnimatedStats] = React.useState(false); const formRef = React.useRef(null); const statsRef = React.useRef(null); React.useEffect(() => { setHeroVisible(true); const handleScroll = () => setScrollY(window.scrollY); window.addEventListener('scroll', handleScroll, { passive: true }); return () => window.removeEventListener('scroll', handleScroll); }, []); React.useEffect(() => { const observer = new IntersectionObserver( (entries) => { entries.forEach((entry) => { if (entry.isIntersecting) { entry.target.classList.add('revealed'); if (entry.target === statsRef.current) setAnimatedStats(true); } }); }, { threshold: 0.12, rootMargin: '0px 0px -40px 0px' } ); document.querySelectorAll('.reveal-on-scroll').forEach((el) => observer.observe(el)); if (statsRef.current) observer.observe(statsRef.current); return () => observer.disconnect(); }, []); const handleFormChange = (e) => { setFormData((prev) => ({ ...prev, [e.target.name]: e.target.value })); }; const handleSubmit = async (e) => { e.preventDefault(); if (!formData.name.trim() || !formData.email.trim() || !formData.phone.trim() || !formData.school.trim() || !formData.graduationDate.trim()) return; setFormStatus('sending'); try { await onContactSubmit({ name: formData.name, email: formData.email, phone: formData.phone, message: `Medical School: ${formData.school}\nGraduation Date: ${formData.graduationDate}`, }); setFormStatus('sent'); setFormData({ name: '', email: '', phone: '', school: '', graduationDate: '' }); } catch { setFormStatus('error'); } }; const scrollToForm = () => { formRef.current?.scrollIntoView({ behavior: 'smooth', block: 'center' }); }; const toggleFaq = (index) => { setFaqOpen(faqOpen === index ? null : index); }; const faqs = [ { q: 'Who qualifies for a physician mortgage loan?', a: 'Physician mortgage loans are available to MDs, DOs, DDSs, DMDs, DVMs, and certain other medical professionals. Many programs also include residents, fellows, and newly practicing physicians. Some lenders extend these programs to nurse practitioners, physician assistants, and pharmacists.', }, { q: 'How much down payment is required?', a: 'Most physician loan programs offer up to 100% financing — meaning zero down payment — for loan amounts up to $1,000,000 or more. Higher loan amounts may require a small down payment (typically 5–10%). This is one of the biggest advantages compared to conventional loans.', }, { q: 'Are student loans counted in my debt-to-income ratio?', a: 'A major benefit of physician loans is how student debt is treated. Lenders often exclude deferred student loans from DTI calculations, or use income-driven repayment amounts rather than the full standard payment. This makes qualification easier despite high medical school debt.', }, { q: 'Do physician loans require PMI?', a: 'No. Physician mortgage loans typically do not require private mortgage insurance (PMI), even with 0% down. This can save you hundreds of dollars per month compared to a conventional loan with less than 20% down.', }, { q: 'Can I use a physician loan for a second home or investment property?', a: 'Physician mortgage loans are designed for primary residences. Some lenders allow these programs for second homes, but investment properties are generally not eligible. If you are looking at investment property financing, we can discuss other portfolio loan options.', }, { q: 'How long does the process take from application to closing?', a: 'Most physician loan closings are completed in 21–30 days. Because these programs are portfolio loans (held by the lender rather than sold to Fannie Mae/Freddie Mac), the underwriting process can be more streamlined, especially when you work with a team experienced in physician lending.', }, ]; const eligibilityList = [ { role: 'Medical Doctors (MD)', icon: 'M' }, { role: 'Doctors of Osteopathic (DO)', icon: 'O' }, { role: 'Dentists (DDS / DMD)', icon: 'D' }, { role: 'Veterinarians (DVM)', icon: 'V' }, { role: 'Residents & Fellows', icon: 'R' }, { role: 'Pharmacists (PharmD)', icon: 'P' }, ]; return (

{/* Top bar */}

{branding.logoUrl ? (

) : ( Empire Home Loans )}

{branding.phone} | NMLS {branding.nmls}

{/* Hero Section */}

{/* Left content */}

Exclusive Financing for Medical Professionals

Buy Your Home
Before You Residency
Even Ends

Physician mortgage loans with $0 down, no PMI, and special treatment for student debt. Designed exclusively for doctors who are ready to stop renting and start building equity.

Call {branding.phone}

$0 Down Payment

No PMI Required

Student Loans Excluded

{/* Right visual */}

{branding.headshotUrl ? (

) : (

)}

{branding.fullName}

{branding.title}

NMLS {branding.nmls}

Max Loan Amount Up to $2,000,000

Down Payment $0

PMI None

Student Loan DTI Excluded

Trusted by 1,200+ medical professionals

{/* Pain Points Section */}

The Problem Every Doctor Faces
When Buying a Home

You have a high income trajectory, but traditional mortgage lenders only see your debt. Conventional loans were not built for the financial reality of a physician.

{[ { title: 'Massive Student Debt', desc: 'With $200,000+ in medical school loans, your debt-to-income ratio looks alarming to conventional lenders — even though your earning potential is exceptional.', icon: ( ), }, { title: 'High Down Payment Barriers', desc: 'Conventional loans demand 10–20% down. On a $750,000 home, that is $75,000–$150,000 in cash — capital you need for residency relocation, board prep, or practice startup.', icon: ( ), }, { title: 'Expensive PMI Penalties', desc: 'Put less than 20% down on a conventional loan and you pay Private Mortgage Insurance — often $300–$700 per month — for years. That is money you will never get back.', icon: ( ), }, ].map((card, i) => (

{card.icon}

{card.title}

{card.desc}

))}

{/* Solution Section */}

The Physician Loan Advantage

A Mortgage Built
For Your Career

Physician mortgage loans are portfolio products designed specifically for the unique financial profile of medical professionals. They recognize your future earning power, not just your current balance sheet.

{[ '0% down payment options up to $1,000,000', 'No PMI — even with 0% down', 'Student loans excluded or minimized in DTI', 'Employment contracts accepted as income proof', 'Close up to 90 days before your start date', 'Fixed-rate and adjustable-rate options available', ].map((item, i) => (

{item}

))}

Eligibility Overview

{eligibilityList.map((item, i) => (

{item.icon}

{item.role}

))}

Credit Score Minimum Typically 700+

Max DTI Up to 43%–50%

Employment Contract Accepted

{/* Stats / Social Proof Section */}

{[ { value: '$2M+', label: 'Max Loan Amount Available' }, { value: '0%', label: 'Down Payment Options' }, { value: '1,284', label: 'Physician Loans Closed' }, { value: '21', label: 'Average Days to Close' }, ].map((stat, i) => (

{stat.value}

{stat.label}

))}

{/* How It Works */}

From Application to Keys in 4 Steps

We have streamlined the physician loan process to eliminate the usual headaches. Here is exactly how we get you from pre-approval to closing.

{[ { step: '01', title: 'Submit Your Info', desc: 'Fill out the form below with your name, school, graduation date, and contact details. We will review your physician status and reach out within 2 hours.', icon: ( ), }, { step: '02', title: 'Get Pre-Approved', desc: 'We run your numbers using physician-specific underwriting guidelines. Your employment contract or offer letter counts as qualifying income.', icon: ( ), }, { step: '03', title: 'Shop With Confidence', desc: 'Your pre-approval letter shows sellers you are a serious, qualified buyer. We coordinate with your agent and the seller side to keep everything moving.', icon: ( ), }, { step: '04', title: 'Close & Move In', desc: 'We close fast — typically in 21–30 days. No surprises at the closing table. You get the keys and start building equity immediately.', icon: ( ), }, ].map((item, i) => (

{item.icon}

Step {item.step}

{item.title}

{item.desc}

{i < 3 && (

)}

))}

{/* Testimonials */}

Trusted by Physicians Nationwide

Real stories from medical professionals who worked with Empire Home Loans to secure their homes.

{[ { name: 'Dr. Marcus T.', role: 'Emergency Medicine Resident', quote: 'I was told by two other lenders that I would not qualify because of my $280k in student loans. Empire Home Loans got me pre-approved with 0% down and no PMI in 48 hours. We closed on our home 3 weeks before residency started.', initials: 'MT', }, { name: 'Dr. Priya R.', role: 'Cardiology Fellow', quote: 'The team understood my fellowship contract income and treated my student loans correctly. I did not have to explain my profession to someone who had never heard of a physician loan. The process was fast, professional, and transparent.', initials: 'PR', }, { name: 'Dr. Diego V.', role: 'Orthopedic Surgeon', quote: 'As a practicing surgeon, I expected a complicated process. Empire Home Loans made it simple. They closed our $1.4M loan in 19 days with zero down. I have since referred three colleagues who all had the same experience.', initials: 'DV', }, ].map((t, i) => (

{[1, 2, 3, 4, 5].map((s) => ( ))}

"{t.quote}"

{t.initials}

{t.name}

{t.role}

))}

{/* CTA / Form Section */}

{/* Left text */}

Get Your Physician
Loan Pre-Approval

Fill out the form and we will contact you within 2 business hours. We will review your medical school background, graduation timeline, and current status to determine the best physician loan program for your situation.

Call or Text

{branding.phone}

{branding.email}

Response Time

Within 2 hours during business hours

No Impact on Credit Score

Initial pre-approval review does not require a hard credit pull. We only run your credit when you are ready to move forward with a specific property.

{/* Right form */}

Physician Loan Inquiry

Complete the form below. All fields are required.

{formStatus === 'sent' ? (

Thank You!

We have received your inquiry and will contact you within 2 hours to discuss your physician loan options.

) : (

Full Name *

Email Address *

Mobile Number *

Medical School *

Graduation Date *

Select the month and year you graduated or expect to graduate.

{formStatus === 'error' && (

Something went wrong. Please try again or call us directly at {branding.phone}.

)}

By submitting, you agree to be contacted about physician mortgage loan options. We respect your privacy and will never share your information.

)}

{/* FAQ Section */}

Frequently Asked Questions

Everything you need to know about physician mortgage loans before you apply.

{faqs.map((faq, i) => (

{faq.a}

))}

{/* Final CTA */}

Ready to Stop Renting and Start Building Equity?

Your medical degree is your qualification. You do not need a massive down payment or a years-long work history. Let us get you pre-approved today.

Low Country Mortgage Specialized for New Doctors