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All Roads Lead to Real Estate

A Maryland podcast hosted by Matt Rhine

Full Interview · June 29, 2026

How Doctors & Attorneys Can Buy with 0% Down

Hosted by Matt Rhine

Still from Matt Rhine’s interview with Stephanie Arcelay
Choose the full interview or a clip below.

Atlantic Union Bank

Stephanie ArcelaySenior Mortgage Loan Officer

Inside the Interview

  • Who may qualify for a physician mortgage.
  • How low-down-payment options work.
  • Prequalification vs. a lender-reviewed preapproval.
  • Mortgage options for practicing attorneys.
  • 15 vs. 30 years: payment flexibility and tradeoffs.

Program eligibility and loan terms vary; confirm current options with a lender.

Meet the Guest

Stephanie Arcelay

Atlantic Union Bank identifies Stephanie Arcelay as a Senior Mortgage Loan Officer and Physician Loan Specialist. The bank profile says she has more than 20 years of mortgage experience and works with doctors and dentists on home financing.

More about Stephanie Arcelay

With Matt Rhine, Arcelay discusses loan offerings for medical professionals and attorneys, including qualifications, underwriting, and individual trade-offs.

Read the official profile ↗
  • Senior Mortgage Loan OfficerAtlantic Union Bank
  • Physician Loan SpecialistAtlantic Union Bank Home Loans
  • 20+ yearsHome lending experience

Sources: profile ↗

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Interview highlights

Three conversations worth your time.

Choose a highlight to watch it in the full interview player above.

Still from Matt Rhine’s interview with Stephanie Arcelay

Why These Physician Loans Don’t Require PMI

Stephanie explains the PMI exception and the banking relationship behind the physician-loan programs she describes.

Still from Matt Rhine’s interview with Stephanie Arcelay

Who May Qualify Early in a Medical Career

Stephanie discusses the medical professionals and early-career situations covered by the programs in this interview.

Still from Matt Rhine’s interview with Stephanie Arcelay

The Attorney Loan People Don’t Always Know About

Stephanie introduces the attorney-loan option and compares professional income with the challenge of self-employed lending.

From the interview

Questions and answers.

Use each timestamp to watch the answer in context.

How does this physician loan differ from a traditional mortgage?

Stephanie says her bank’s discussed program offers 100% financing up to $1.5 million without PMI and uses a different funding and underwriting model. Terms and eligibility vary by lender.

Watch from 00:06:26 →

When can a physician start qualifying?

Stephanie says the discussion includes people on the medical-school path and entering residency (PGY-1); income still matters, and only one applicant needs to meet the professional criteria.

Watch from 00:15:35 →

Who qualifies for the attorney loan?

Stephanie says her bank’s program includes practicing JDs and people entering a first contract, based on base salary, with 100% financing and no PMI.

Watch from 00:39:22 →

More questions

What distinguishes prequalification from preapproval?

For Stephanie’s bank, prequalification reviews an application, credit, and finances; full preapproval also requires documents and underwriter review.

Watch from 00:47:09 →
Why might Matt choose a 30-year mortgage and pay extra?

Matt values the lower required payment and option to pay extra principal. He and Stephanie note the dollar costs still differ from a 15-year loan.

Watch from 00:43:37 →
Which other professions are eligible?

Stephanie says her bank also includes pharmacists, chiropractors, optometrists, veterinarians, nurse practitioners, physician assistants, and CRNAs.

Watch from 00:17:51 →
How soon could a fully preapproved buyer close?

Stephanie says some could close in about 10 to 15 business days, but advises allowing for uncertainty.

Watch from 00:47:56 →

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Read the full transcript →

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