✓ Future Income Considered
✓ 100% Financing Available
✓ No PMI Required
✓ Close in 45 Days
Use your upcoming employment contract to qualify before you start working.
100% financing available. Keep your savings for moving and emergencies.
Save hundreds monthly without private mortgage insurance.
Close in as little as 45 days. Move into your new home fast.
Our unique mortgage products can take your future income into consideration just by using your contract. Let's say you've gotten a contract with an employment start date of 60 days from now — we'll work with you to leverage that future income as part of your home loan application.
From the time you apply for your physician home mortgage loan, until the day you close and get the keys to your new home, our specially trained and experienced staff manages and oversees the entire loan process.
Your loan officer, Edward Lopez, has been specializing in physician lending for Arizona medical professionals since 2010.
Complete our simple online application in 5 minutes. Submit your fellowship contract and future employment agreement. No impact on your credit score.
100% financing up to $750,000 with no PMI. 95% financing up to $1,500,000. We use your future income to qualify you today.
Quick close typically within 45 days. Move into your new home before starting your attending position.
We look at your future income vs your past income. Typical mortgages require the average of your last 2 years of employment. However, we understand that a new contract provides you with a higher income level and it's rather secure so we can get you approved before you've begun working.
Physician mortgages require very little to no downpayment. This means you can get into a home for a lot less money than it would take other types of borrowers. The extra savings helps put you in a beneficial position.
Student loans are often a barrier because they create a high debt to income ratio. Our physician-based mortgage programs can factor those out of the equation allowing you to qualify for a larger mortgage amount.
A "qualified borrower" is typically a medical resident, fellow or attending physician with a signed contract for employment.
Including:
Serving Phoenix, Scottsdale, Mesa, Tempe, Chandler, Gilbert and all of Arizona.
*Minimum 700 credit score required for all programs
Apply Now →Join 500+ Arizona physicians who've saved thousands. Get pre-approved in 24 hours with no obligation.