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 and 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. Relocating for a match? Starting your first attending role? The program qualifies you on your earning potential, not 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. There is no obligation.