Physician & Healthcare Program

Mortgage Solutions Built ForHealthcare Professionals

Eliminate student debt penalties, projected income roadblocks, and strict underwriting delays with a home loan program structured specifically for licensed clinical practitioners.

Get Pre-ApprovedCheck Eligible Specialties
$0 DOWN
Financing Up To $1.5M
150 DAYS
Close Prior To Start Date
$0 PMI
No Private Mortgage Insurance

Solutions Built For Your Real-World Scenario

No matter where you are in your career, we eliminate traditional underwriting friction and penalty traps:

Scenario 1: Income Contracts

Buying Before Your Official Start Date

Moving or relocating for a new position? Qualify up to 150 days before receiving your first paycheck using your signed employment agreement or contract.

Scenario 2: High Debt-To-Income

Heavy Student Debt Balances

Don't let six-figure student debt cap your home buying power. Deferred loans or Income-Driven Repayment (IDR) plans can be excluded from your qualifying DTI ratio.

Scenario 3: Capital Preservation

Preserving Liquid Cash & Reserves

Save your cash for relocation, licensing, or practice reserves. Access 100% financing up to $1.5M with zero down payment and no monthly Private Mortgage Insurance (PMI).

Scenario 4: Independent Setups

1099 Contractors & Practice Owners

Contractor, locum tenens, or partner structures often stall in standard automated systems. We utilize streamlined guidelines designed to document your actual earnings accurately.

Eligible Medical Designations

Program coverage extends to actively practicing specialists, residents, fellows, and clinical practitioners:

Physicians & Specialists

  • Medical Doctor (MD)
  • Doctor of Osteopathy (DO)
  • Psychiatry (MD / DO)
  • Ophthalmology (MD / DO)
  • Doctor of Podiatric Medicine (DPM)
  • Doctor of Optometry (OD)
  • Doctor of Pharmacy (PharmD)

Dental & Veterinary

  • Dental Science / Surgery (DDS)
  • Dental Medicine (DMD)
  • Veterinary Medicine (DVM / VMD)
  • Residents, Fellows, & Interns

Nursing & Advanced Practice

  • Physician Assistant / Associate (PA)
  • Nurse Practitioner (NP)
  • Nurse Anesthetist (CRNA with DNAP / DNP)

A Streamlined Process For Busy Clinicians

Designed to fit demanding schedules with minimal back-and-forth friction:

Step 01

Initial Review (15 Mins)

Review your scenario, contract terms, or upcoming start date directly with Conner Carpenter.

Step 02

Custom Debt Modeling

We accurately model student loan exclusions and contract income to maximize buying power.

Step 03

Verified Pre-Approval

Receive a solid, competitive pre-approval letter to begin placing offers with confidence.

Step 04

On-Time Closing

Close on your home smoothly—up to 150 days before your official employment start date.

Medical Underwriting FAQs

What if my contract has administrative contingencies?

Standard offer letter contingencies such as passing background checks, routine drug screenings, or pending state medical licensing are fully acceptable under program guidelines.

How are Income-Driven Repayment (IDR) student loans treated?

If you are currently in residency or fellowship, deferred student debt or $0 IBR payments can be completely excluded from your DTI qualifying ratio.

Can 1099 contractors or 1099 PAs/NPs qualify?

Yes. Executed 1099 employment contracts with guaranteed minimum hours/salary can be utilized to qualify without waiting for a 2-year tax return history.

Are there any monthly Private Mortgage Insurance (PMI) fees?

No. Even with 0% down on loan amounts up to $1.5M, this program eliminates monthly PMI requirements to keep your monthly carrying costs low.

Review Your Qualifying Options

Connect directly with Conner Carpenter to analyze your employment contract, run your debt-to-income ratio, or initiate a pre-approval.

Get Pre-ApprovedCall / Text Direct