What Happens in a Physician Mortgage Planning Review
A planning review is not a loan application. It is a structured conversation designed to give you a clear picture of your physician mortgage options before you begin making offers or signing contracts. No obligation, no credit pull, no pressure.
Matt Siket | Mortgage Loan Originator | NMLS #442558
Four Steps in the Planning Review
Initial conversation
We discuss your career stage, income structure, student loan situation, housing goals, and timeline. This takes about 20–30 minutes and can be done by phone or video.
Documentation review
I review the key documents — pay stubs or contract, student loan statements, bank statements — to build an accurate picture of your qualifying position.
Program identification
Based on your situation, I identify which physician mortgage programs are available and how each one treats your income, student loans, and down payment.
Timeline planning
We establish a realistic timeline from planning review to closing, accounting for your employment start date, relocation schedule, and any documentation gaps.
What You Know After the Planning Review
- Which physician mortgage programs you are eligible for based on your specific situation
- How your student loans will be treated in the debt-to-income calculation
- An approximate picture of your purchasing power
- What documentation you need to gather before the formal application
- A realistic timeline from planning to closing
- Answers to the specific questions you came in with
When to Schedule the Planning Review
60–90 days before your target closing
The ideal window for most purchase transactions. Enough time to address gaps and confirm eligibility before making offers.
When you sign an employment contract
If transitioning from training to an attending position, the contract signing is the trigger to begin — even if the start date is months away.
Before you begin touring homes
Understanding your financing options before making offers prevents the frustration of finding a home before the financing plan is in place.
Ready to Schedule Your Planning Review?
No application, no credit pull, no obligation. Just a clear picture of your physician mortgage options before you begin the process.