Hancock Whitney Physician Mortgage OptionsYou Trained for Years. Your Physician Mortgage Review Should Reflect That.
Calm, professional guidance for physicians and dentists at every stage — established attendings, practicing physicians, residents, and fellows. Explore Hancock Whitney mortgage options for purchase or refinance, built around the realities of a medical career. No pressure, no guesswork.
Purchase and refinance options may be available for qualified borrowers. This is not a commitment to lend; all loans are subject to credit approval.
Apply Online with Hancock WhitneyHancock WhitneyA Simple Path to Your Next Step
Getting clarity on your mortgage options starts with a conversation, not paperwork.
Share Your Goals
Tell Scott whether you are buying, refinancing, relocating, or planning ahead. A quick conversation helps identify the right starting point.
Review Available Options
Scott will help you understand physician mortgage program options that may fit your situation — eligibility, timing, and what to prepare.
Prepare With Confidence
Move forward with clearer expectations around eligibility, timing, and next steps — before submitting a formal application.
Apply Through Hancock Whitney
When ready, continue through Hancock Whitney's official application process with Scott guiding you along the way.
Submitting a review request is not a loan application.
Guidance From a Local Mortgage Professional
Physician mortgage decisions can involve unique timing, employment, income, and student loan considerations. Scott helps borrowers understand what information matters, what options may be available, and what steps to take next.
Local Tampa-Based Support
Scott is based in the Tampa Bay area and focuses on helping local and relocating medical professionals navigate their mortgage options.
Clear Communication
Scott works to make the process straightforward — explaining what information matters and what to expect next.
Helpful Review Process
A loan review can help you understand what options may fit your situation before moving into the application process.
Direct Access
Reach Scott directly by phone or email. He is available to answer questions and help you prepare.
Hancock Whitney Resources
Scott works within Hancock Whitney's mortgage division, giving borrowers access to a range of mortgage resources and program options.
Physician Loan Familiarity
Scott has had many conversations with medical professionals about physician mortgage options and understands the unique circumstances of a medical career.
Scott Kamis
Mortgage Loan Originator
Hancock Whitney | NMLS #2159306
The Concerns That Make Homebuying Feel Complicated
If any of these sound familiar, you are not behind — these are the realities of an early medical career. A review is simply a calm way to see how they fit together.
“I have too much student debt.”
Student loans are part of the medical path — not a sign you are behind. Some physician programs may consider deferred student debt differently than conventional underwriting, though eligibility depends on a full review.
“I haven’t started my new job yet.”
A signed employment contract or future start date does not automatically mean waiting. Program materials indicate borrowers may be able to close before employment begins, subject to eligibility.
“I don’t have a large down payment saved.”
Years of training can leave limited reserves. Program materials reference low down payment options for qualified borrowers — Scott can walk you through what may apply.
“I don’t have time for a long process.”
You should not have to decode mortgage rules on top of a demanding schedule. The first step is a short, plain-language conversation — not paperwork.
Program features and eligibility vary and are subject to credit approval and underwriting review. Ask Scott how they may apply to you.
Student Loans Don’t Have to Make This Feel Impossible
For most medical professionals, student debt is the biggest worry going into a home purchase. It is also one of the most common — and it is part of the review, not a reason to count yourself out.
Student loans are part of the medical path — not a sign you are behind your peers.
Some physician programs may consider deferred student debt differently than conventional loans.
Deferred student loans (12 months or longer) may be excluded from the debt calculation, subject to eligibility.
You do not need to figure out how it affects your situation on your own.
This is not a commitment to lend. Eligibility, terms, and the treatment of student debt are subject to credit approval and a full application review.
Program Highlights for Medical Professionals
Hancock Whitney's Physician Loan program includes options that may help qualified medical professionals purchase or refinance a primary residence with more flexibility.
Purchase & Refinance Allowed
Both purchase and refinance are allowed for eligible borrowers on a primary residence — whether you are buying your next home or refinancing your current one.
No Private Mortgage Insurance
Program materials indicate no PMI requirement for eligible borrowers. Eligibility, terms, and conditions apply.
100% Financing up to $1 Million
Program materials reference 100% financing (no down payment) up to $1 million, with financing options available up to $2 million for qualified borrowers. Terms and eligibility may vary.
Student Loan Flexibility
Deferred student loans (deferred 12 months or longer) may be excluded from debt calculation. Ask Scott how this may apply to your situation.
Eligible Designations
Designed for MD, DO, DPM, OMS, DMD, and DDS professionals. Additional eligibility requirements apply.
Close Before Employment Begins
Program materials indicate borrowers may be able to close up to 6 months before starting a new position, subject to eligibility.
Fixed & Adjustable Rate Options
Fixed and adjustable rate loan options may be available for eligible borrowers. Rates and terms subject to credit approval.
No First-Time Buyer Requirement
The program does not require borrowers to be first-time homebuyers, subject to eligibility criteria.
Available in Select States
Program information references availability in FL, TX, LA, MS, and AL. Confirm current availability with Scott.
Program financing information: Program materials provided by Hancock Whitney reference 100% financing (no down payment) up to $1 million, with financing options available up to $2 million for qualified borrowers. Both purchase and refinance are allowed on a primary residence. Terms, eligibility, and availability may vary. Ask Scott to review what options may apply to your situation.
Hancock Whitney Bank, Member FDIC and Equal Housing Lender. All loans and accounts subject to credit approval. Terms and conditions apply. Bank NMLS #454781. Scott Kamis NMLS #2159306.
100% Financing May Be Available
Years of training can leave limited savings. For eligible borrowers, Hancock Whitney offers no-down-payment options that can help make homeownership possible sooner — without guesswork.
- 100% financing (no down payment) up to $1 million for eligible borrowers
- Financing options available up to $2 million for qualified borrowers
- Both purchase and refinance allowed on a primary residence
- Available for FHA, VA, USDA, Conventional, and in-house financing
- 2nd mortgages available to help with down payment and/or closing costs¹
¹ Maximum loan-to-value limitation may apply. Geographic and income limitations may apply. Other restrictions and conditions may apply. This offer is subject to change or cancellation without notice. Hancock Whitney Bank, Member FDIC and Equal Housing Lender. All loans subject to credit approval. Bank NMLS #454781. Not a commitment to lend.
Built for Where You Are in Your Medical Career
Established or early in your career — whether you are years into practice, finishing training, relocating for a new role, or buying or refinancing your next home, Scott can help review your situation and walk you through available mortgage options.
Established & Practicing Physicians
Whether you have been in practice for years or are an attending settling in, you do not need to be new to your career — the program is open to physicians at any stage, for purchase or refinance.
Physicians Purchasing a Home
Buying a primary residence — your first, your next, or a move-up home? Ask Scott about physician mortgage program options, including 100% financing for qualified borrowers.
Medical Professionals Considering Refinance
Already a homeowner? Refinance is allowed under the program. Scott can help you understand whether refinance options may fit your situation.
Residents & Fellows
Finishing training and preparing for your next role? Program options may allow you to close before employment begins.
Dentists & Dental Specialists
The program is designed for eligible dental professionals including DMD and DDS designations.
Relocating Medical Professionals
Moving to Florida or Tampa Bay for a new position? Scott can help review your timing and available options.
Eligibility, terms, and program availability are subject to credit approval. Ask Scott to review your specific situation.
Real Keys, Real Front Doors, Real Families
Behind every closing is someone who once wondered whether the timing was right. Here are a few of the moments Scott has been proud to be part of across Tampa Bay and Florida.
Photos shared with client permission and reflect individual experiences. Every situation is different; these images are not a guarantee of loan approval, terms, or results. All loans are subject to credit approval and underwriting review.
The “Not Right Now” Thoughts — Answered Calmly
You do not need to be ready to buy today. Here is how Scott thinks about the concerns that hold most physician borrowers back.
Ask About Relationship-Based Options
Scott can also review whether any relationship-based program options may apply, including options tied to direct deposit and automatic withdrawal when eligible.
Availability and eligibility may vary. Ask Scott for current program details. All options subject to credit approval and terms.
Ask Scott About OptionsRequest a Physician Loan Review
Fill out the form below and Scott will follow up to learn more about your goals and next steps.
Frequently Asked Questions
Common questions about Hancock Whitney's physician mortgage options. For specifics, reach out to Scott directly.
Hancock Whitney Bank, Member FDIC and Equal Housing Lender. All loans subject to credit approval. Terms and conditions apply. Bank NMLS #454781. Scott Kamis NMLS #2159306.
Talk With Scott Kamis
Ready to start a conversation? Reach out directly.
Scott Kamis
Mortgage Loan Originator
Hancock Whitney
NMLS #2159306
Call Scott
813-857-2773
Email Scott
Scott.Kamis@hancockwhitney.com
Apply Online
Hancock Whitney official application
Request a Loan Review
Submit the form above
Referral Partners
Have a client who may benefit from physician mortgage options? Connect them with Scott for a loan review. Scott can help your clients understand available options. All loans subject to credit approval.