Start with your story.
Share your profession, income arrangement, target location and timing. Sasha helps identify the questions that need a closer look.
Your next step: a personal conversation, with no credit inquiry from the consultation form.
A clear path.
One step at a time.
A physician loan can address a different financial story, but it still requires a complete review. Here is what to expect and how to prepare.
Build your financial picture.
Use the loan team’s secure application and document channel. Review income, assets, debts and employment terms, including any future start date.
Ask what a preapproval has verified, what remains conditional and when the letter expires.
Compare the loan and the cash plan.
Review the options available for your scenario, then compare written terms. Include closing costs and money you need to keep after closing.
Choose a comfortable household budget as well as an appropriate loan structure.
Find the right home.
Coordinate the offer and financing deadlines with your real estate agent. Flag condo, insurance, occupancy or unusual property details early.
The home must qualify too; a preapproval letter is not final property approval.
Work through underwriting.
The lender verifies your file, reviews valuation and title, and resolves conditions. Respond to document requests and discuss changes in employment, debt or funds.
Ask for a current list of conditions and a realistic closing schedule.
Review, sign and close.
For covered mortgages, receive the Closing Disclosure at least three business days before closing. Review final terms and costs and ask about differences.
Confirm remaining conditions and funding arrangements with your loan and escrow teams.
When does the Loan Estimate arrive?
For a TRID-covered mortgage, the lender generally must deliver or mail it within three business days of receiving your name, income, Social Security number for a credit report, property address, estimated property value and requested loan amount. Verifying documents cannot be required first. Provide those application details through a secure channel, not this website’s consultation form.
BEYOND THE DOWN PAYMENTThree parts of
Three parts of
your cash plan.
Financing the purchase price and having enough cash for the transaction are different questions. Review all three together.
Cash at closing
Your down payment, if required, plus transaction costs and prepaid items, adjusted for credits and deposits. Ask for an itemized estimate.
Required reserves
Eligible assets that remain after closing. Silver starts with two months of the subject housing payment; future income and other financed homes can add requirements.
Your own cushion
Moving, repairs, furnishings and everyday savings belong in your plan too. A lender’s minimum reserve requirement is not a personalized household budget.
BUYING IN CALIFORNIAA few details
A few details
deserve an early look.
From a coastal condo to a Central Valley home, the specific property belongs in your financing conversation.
Property taxes
A purchase can trigger reassessment and a supplemental bill. Do not assume the seller’s tax bill will match yours. Clarify how supplemental taxes will be paid, including when you have an impound account.
California BOE guidance ↗Insurance
Obtain coverage and premium quotes for the actual address early. Discuss availability and lender requirements before relying on a generic monthly insurance estimate.
California insurance resources ↗Condo & property review
Silver requires eligible, warrantable condos and an acceptable property. Share the address, property type and intended occupancy early so project and property questions can be addressed.
Review property questions →MAKE THE FIRST CONVERSATION EASIERYour preparation list,
Open my buyer checklist ↗Your preparation list,
without the guesswork.
Organize your questions and documents. Keep the checklist open or print it for later.
YOUR NEXT STEP
Let’s put the answers in your context.
Your degree, income and next move deserve a personal conversation.
Request my personal review ↗Or text Sasha · (805) 908-8337No credit inquiry from this form. Qualification required.