Loans For Residents

Perhaps you’re just starting your residency, or maybe you see the end in sight. Either way, a physician loan for residents is a great option.

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Why would a medical resident consider a physician loan?

With constant fluctuations in income and lifestyle, it’s nice to have flexibility and consistency somewhere—especially your mortgage offering. With a physician loan for residents, you can find a great rate with low to zero money down, as well as seamless underwriting due to medical residents’ unique circumstances. 

Because lenders understand your unique lifestyle, they are more flexible with loan requirements evaluating debt, ratios, and assets. By working with you to secure a quality loan, they secure a high-income, reliable client.

What are the benefits of a physician loan for residents?

  • Low or zero down payment 
  • No private mortgage insurance (PMI) requirement. On average, PMI is 1% of your monthly payment. Eliminating this adds up to serious savings!
  • Student loan debt is not counted into your debt-to-income ratio, qualifying you on future income for a higher-priced property loan.
  • Flexible payment options
  • Higher loan limits of up to 750K are often available, typically at the same rate
  • Seamless underwriting due to a physician’s unique circumstances
  • Option to close 90-120 days before starting a new job with a contract
  • Spousal income may be included for qualifying purposes.

Have more questions? We are here to help.  Reach outat any time!

Loans For Doctors

Ready to buy a home before you start a new job? You need a low-interest rate loan that includes a little to zero-down payment option, excludes student loan debt from your personal debt ratio, and allows for the use of your future income rather than current or past.

Loans For Practicing Physicians

Looking to buy your dream home but worried about putting down a large down payment or depleting your savings account? If you are earning a practicing physician's salary now, you can use that saved money for other investments. You need a loan that offers zero money down, a great rate, and no private mortgage insurance (PMI).

Loans For Residents

Whether you're just starting your medical residency or finishing up your last year, you need a constant, flexible loan offering. Flexibility matters when your financial standing, and potentially your living situation, fluctuate over three to five years. You need low rates, flexible terms, no private mortgage insurance (PMI), or money down.

Wealth Management

Working with a professional financial planner and wealth management team allows physicians to focus on their patients and family while feeling secured they are  financially pointed in the right direction.

Student Loan Refinancing

Don't less student loan debt take over your life. There are plenty of options for refinancing, even as a physician intern. The sooner you can start the better! No matter where you are in your career path, exploring options to refinance your medical student loans is always a good idea.