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You spent a decade becoming a medical professional. You shouldn't have to wait another decade to own a home.
Traditional lenders see your student debt and close the door. They don't understand that your $300K in loans comes with a $300K+ income trajectory. They don't recognize that your residency salary isn't your real earning potential. We do.
For Qualified Borrowers
Keep your savings liquid. Some physician loan programs we work with offer no down payment for qualified borrowers, so you can move in without draining your accounts. Whether a program allows it depends on your credit profile and loan amount.
Keep More Cash Each Month
Most lenders charge PMI on physician loans with smaller down payments. We work with programs that don't — that money stays in your pocket instead of going to an insurance company. Over the life of your loan, that's tens of thousands saved.
Residency and Fellowship Training? We Get It.
If you're in residency or a clinical fellowship, we can exclude your student loan payments when calculating your debt-to-income ratio. You qualify based on your actual financial situation, not a formula built for non-medical borrowers.
Employment Contracts Up to 150 Days Out
Starting a new position soon? We can use your employment contract to qualify you up to 150 days before your start date. Lock in your home before day one.
Our program is built for medical professionals with these credentials.
15 minutes. Soft credit check only.
Tell us about your situation, goals, and timeline. We'll review your qualifications and give you a clear picture of what you can afford. Pre-approval can be done before your new job even starts.
Shop with confidence.
With your pre-approval in hand, you'll know exactly what you qualify for. No surprises. No disappointments. Focused house hunting with the confidence that your financing is ready.
Move in without draining savings.
When you find the right home, we handle the details. If you qualify, we match you with a program that has no down payment and no PMI, so you keep more of your savings.
Yes. If you're in residency or a clinical fellowship, we can exclude your student loan payments from your debt-to-income calculation. This dramatically improves your qualifying power and lets you purchase a home based on your actual financial situation.
Yes. We accept employment contracts up to 150 days before your start date. As long as you have a signed offer with your position, start date, and salary, we can use it to qualify you. This means you can secure your home before your new role even begins.
Some of the physician loan programs we work with offer no down payment and no PMI for qualified borrowers. Whether a program allows no down payment depends on your credit profile and loan amount. Some programs also exclude student loan payments for those in training, which not all programs do.
You've worked hard to get here. Let us help you take the next step.
