The New Resident

Buy Your First Home Before Your First Paycheck

Starting residency, a fellowship, or a new attending position often means relocating before your income begins. A medical professional mortgage is built for exactly this moment: with a signed employment contract, you can close on a home up to 90 days before your start date — so you can settle in before day one on the job.

Program highlights

• 0% down on loan amounts up to $1,000,000
• No private mortgage insurance (PMI), even with little or no down payment
• No prepayment penalties
• Student loan debt weighed realistically, with debt ratios considered up to 45%
• Income verified from a signed employment contract instead of pay stubs

Who it's for

Residents, fellows, interns, and newly practicing medical professionals — including MD, DO, DDS, DMD, OD, DPM, NP, CRNA, and PA. Whether you're moving across the country for a match or stepping into your first attending role, this program recognizes your earning potential rather than just your current income.

Your next step

Share a few details and we'll connect you with a licensed loan officer who can walk you through your options and timeline — with no obligation.