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Doctor and Physician Mortgage Loan - exclude student loans, $0 down payment, no PMI, up to $1.5 MIL!Can you refinance a physician's loan? Yes. You can refinance a physician mortgage loan. Call to begin the process of refinancing. Laurel Road for Doctors offers fast and personalized physician mortgage refinancing options that could save you thousands or get you the cash you need. So, if you're considering refinancing your physician mortgage, you can expect the same favorable terms and benefits as your original loan.