Down-Payment and Loan Limits
Certain qualifying programs may permit reduced down-payment options or higher loan limits, subject to current program limits and complete underwriting review.
Medical Professional Home Financing
Home-financing options for eligible medical professionals
Some portfolio and conventional programs may offer alternative treatment of student-loan payments, higher loan limits, reduced down-payment options, or consideration of qualifying future employment income. Availability depends on profession, program, loan amount, property, credit, employment documentation and current investor guidelines.
NMLS #1900572Equal Housing LenderLicensed in DC · FL · MD · PA · TX · VA
Educational Program Explorer
Educational Program Explorer
Answer two general questions to see a program category that may be worth discussing. The explorer does not evaluate eligibility or approval.
What a Licensed Originator Reviews
Program availability depends on current investor guidelines and a complete review of the borrower, property, occupancy, and documentation.
Student-Loan Payment Treatment
Treatment depends on the required qualifying payment and the specific program. The entire student-loan balance is not automatically disregarded.
Future Employment Income
Certain programs may consider future employment income with an executed, non-contingent contract and program-specific timing and documentation.
Program Guidelines & Realities
Clear data metrics to keep file structuring efficient and expectations aligned.
✓ Strategic Structural Advantages
- Conventional, jumbo, and portfolio paths may be compared when current guidelines support them.
- A licensed originator reviews the required qualifying student-loan payment under each relevant program.
- Employment contracts, credentials, reserves, credit, property, occupancy, and loan amount all affect available options.
i Guardrail Requirements
- Occupancy and eligible property types depend on the specific current program.
- Profession and credential eligibility must be verified against an active program matrix.
- Down payment, mortgage insurance, reserves, loan limits, and timing vary by program and complete underwriting review.
Frequently Asked Questions
Straightforward answers before you apply.
How do you manage student loans under IBR plans during underwriting?
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Treatment depends on the required qualifying payment and the specific program. A licensed originator must review the current loan status and documentation; the full balance is not automatically disregarded.
Can I buy a house before I physically begin my medical residency?
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Certain programs may consider future employment income with an executed, non-contingent contract. Timing and documentation are program-specific and require complete review.
Are clinical specialists like Dentists or Veterinarians eligible for this program?
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Eligible professions vary by program and current investor matrix. A licensed originator must verify the active guidelines before representing that a profession is included.
Medical Professional Portfolio Program Disclosures: Educational program information only. This is not an approval, pre-approval, credit decision, rate quote, or commitment to lend. A licensed mortgage loan originator must review current program guidelines and the complete scenario. Student-loan payment treatment, future employment income, eligible professions, down payment, mortgage insurance, reserves, loan limits, timing, property, and occupancy requirements vary by program.