November 25, 2025
In recent days, news broke that the U.S. Department of Education (DOE) had proposed removing nursing programs from its list of “professional degree” programs. This change raised big concerns across the nursing community—especially among those planning to purchase a home with a physician mortgage, a popular option for medical professionals who want flexible lending terms.
At Curbside Real Estate, we work closely with nurses, NPs, CRNAs, PAs, physicians, and other healthcare providers every day. Here’s what you need to know—and why this DOE change does not directly impact nurses’ ability to access physician home loan programs.
First, What Did the Department of Education Actually Change?
The DOE has proposed a narrower definition of “professional degree” as part of broader federal student-loan reforms (including new borrowing caps and the elimination of Grad PLUS loans). Under this proposed reclassification:
- Many nursing degrees—including MSN, DNP, and other advanced programs—would no longer be categorized as “professional degrees.”
- Graduate programs removed from that category would fall under lower federal borrowing limits (approximately $20,500 per year with a lower lifetime cap).
- Students in remaining “professional degree” programs would still qualify for higher federal loan limits, potentially up to $50,000 per year and $200,000 total.
Importantly, multiple sources note that the rulemaking process is not yet finalized.
These changes impact student loan policy, not employment classifications, licensure, or professional status within healthcare.
So… Does This Affect Nurses Seeking Physician Home Loans?
Short Answer: No. This DOE change does not determine mortgage eligibility.
Physician mortgage programs—also known as doctor loans—are created by banks and mortgage lenders, not by the Department of Education. These programs traditionally evaluate:
- Your current or projected income
- Employment contract
- Credit history
- Student loan payment amounts
- Whether your profession is included in the lender’s eligibility list
They do not rely on the U.S. Department of Education’s internal list of “professional degree” programs.
So even if the DOE changes how nursing degrees are categorized for student-loan purposes, this does not directly change whether a nurse, NP, CRNA, or other advanced practice nurse qualifies for a physician mortgage.
Why the Confusion?
Because nurse practitioners, CRNAs, and other advanced nurses are included in some lenders’ doctor-loan programs, many people assumed the DOE’s reclassification could trickle over into the mortgage space.
But here’s the key:
Mortgage lenders make their own eligibility lists.
Some include:
- MDs and DOs only
- Dentists and veterinarians
- Pharmacists
- PAs
- Nurse Practitioners
- CRNAs
- Clinical Nurse Specialists
A smaller number include RNs or BSN-level nurses.
Each lender sets its own criteria—independent of DOE classifications.
Could There Be Indirect Effects?
Possibly, but only financially—not in terms of “professional status.”
The DOE proposal could lead to:
- Lower federal borrowing limits for nursing programs
- More students needing to turn to private loans
- Higher monthly payments depending on the loan mix
Since physician loan programs look at debt-to-income ratios, a change in how students are allowed to finance their degrees might influence mortgage qualification for some borrowers.
But again, that’s a financial ripple effect, not a policy exclusion.
The Bottom Line for Nurses
✔ Nurses are NOT excluded from physician mortgage programs because of the DOE ruling.
✔ Each lender decides who qualifies—independent of federal student-loan definitions.
✔ Advanced Practice Nurses (NPs, CRNAs, CNSs, CNMs) remain eligible with many lenders.
✔ Your debt load—not your degree label—matters most for mortgage approval.
If you’re a nurse considering a home purchase, this policy change shouldn’t stop or worry you. The best step is connecting with a lender who understands healthcare professionals and can evaluate your unique financial situation.
Curbside Real Estate Can Help
At Curbside Real Estate, we specialize in pairing medical professionals—including nurses and advanced practice nurses—with lender partners who offer competitive physician-style mortgage options.
If you want guidance, customized lender matches, or help understanding your home-buying timeline, we’re here to make it easy.
Book a free consultation anytime—no pressure, no sales pitches. Just expert help when you need it.
The information provided in this article is for general informational purposes only. It should not be construed as financial, legal, or medical advice. Always consult with a qualified professional before making any significant decisions.