Physician looking
for a home loan?

Silver lists MD, DO, DDS, DMD, PharmD, DVM/VMD, DPM, PA, NP and OD professionals, plus CRNAs with a DNAP or DNP. Eligible residents, fellows and interns may be considered. At least one borrower must qualify using income from an eligible profession. Other programs have different lists.

Silver has a specific path for eligible medical professionals with less than 12 months of contractor earnings and none of those earnings on their most recent tax return. The signed contract must support minimum expected income and the required expense conditions. It is not a blanket waiver of income history.

No. On an eligible transaction, 100% financing can eliminate a down payment, but closing costs, prepaid items and reserves can still be required. The approved financing level also depends on the loan amount, credit, property and other program requirements. Ask for your complete cash plan.

No blanket exclusion applies. Silver’s exception covers specified deferred, forborne or documented $0 income-driven payments only for an eligible resident or fellow qualifying with that training income. Otherwise its standard student-loan rules apply. Being in training today while qualifying on attending income is a different scenario.

Silver and Teal allow eligible future employment up to 150 days after the note date; Pink allows up to 180 days. The medical contractor path has a separate 60-day window from closing. Signed agreements, acceptable contingencies, verification and extra reserves apply. These are start-date limits, not promised closing times.

This consultation form does not request a Social Security number or authorize a credit inquiry. It saves your request for Sasha’s personal review. A secure mortgage application, any credit authorization and lender underwriting are separate steps.