Mortgage Planning for Physicians at Every Stage
Choose the guide that matches your career stage — then use a Planning Review to connect contracts, student loans, relocation, available funds, property, and timing to one financing plan.
Eligible physician programs may offer lower down-payment structures than some conventional options. Required cash, reserves, mortgage insurance and eligibility vary by program, property and borrower profile.
Matt Siket | Mortgage Loan Originator | NMLS #442558
Find the Right Planning Guide
Each stage presents a different mortgage-planning question. The detailed guides own the specifics.
Resident or Fellow
Plan around training completion, a future employment contract, student loans, and the first realistic closing window.
Explore resident planningNew Attending or Relocating
Coordinate a new role, move, housing transition, and purchase timing before your employment start date arrives.
Explore relocation planningEstablished Physician
Compare purchase, refinance, liquidity, and construction decisions against your current practice and housing goals.
Explore loan programsGo Deeper on the Question That Matters
A focused overview of program structures and the questions to compare with conventional financing.
How a signed offer letter or employment contract may support qualification.
A dedicated guide to evaluating student-loan obligations in a physician mortgage plan.
Construction planning and physician-specific considerations for a custom home build.
A practical checklist for organizing timing and documentation before a purchase.
A side-by-side comparison of physician mortgage programs and conventional financing.
Where Are You in the Physician Mortgage Process?
Follow the guide that best matches the transition, contract, timing, or financing question in front of you now.
I am a resident or fellow.
Start with training income, student loans, and the timing questions that shape an early-career purchase.
Explore this questionI have a signed employment contract.
Review how a contract, start date, and closing window may affect the qualification path.
Explore this questionI am starting a new job before my first paycheck.
See the contract-based timing questions to resolve before you make an offer.
Explore this questionI am managing student loans or cash reserves.
Understand how repayment structure and available funds fit into the broader plan.
Explore this questionI am comparing physician and conventional financing.
Compare the structures and tradeoffs before assuming one program is automatically the better fit.
Explore this questionI am relocating for a job.
Coordinate the new role, contract, housing transition, and purchase timeline in one plan.
Explore this questionI am planning a physician construction project.
Explore the construction decisions that should be reviewed before a builder or property commitment.
Explore this questionYour Mortgage Timeline Should Work With Your Career Timeline
A Planning Review connects the relevant guide to your timing, income, cash requirements, and housing decision before commitments are made.
Eligibility requirements apply. All loans are subject to credit approval. Not all applicants or properties will qualify.