You care for everyone else. Let's find your home.
Home financing for physicians and medical providers, explained in plain language. Theresa looks at your whole picture and compares the programs that may fit your career and your timeline.
Financing built around a different career path
Medical careers don't follow the standard financial script. Training years can be lean, student loan balances can be large, and a signed contract for a new position often arrives months before the first paycheck.
None of that means homeownership has to wait. It means your file needs to be presented by someone who understands it. Theresa looks at your employment contract, income timeline, credit, reserves and plans for the next few years, then finds the structure that fits.
Programs some lenders design with medical providers in mind
Program terms and guidelines are set by each lender and change over time, so Theresa won't quote numbers on a web page. She'd rather review your actual file.
Built for the timeline
Some programs allow a signed employment contract to help document future income. Conditions vary by lender.
Student loans in context
How student loan payments are counted depends on the program and your repayment plan, and the differences can be significant.
Often at higher amounts
These programs frequently overlap with jumbo loan amounts, common when a new position means a move to a higher-priced market.
Worth a conversation if you are…
Eligibility is set by each lender and program, so being in medicine doesn't automatically mean you qualify. Theresa will tell you honestly what's open to you.
You also don't have to use a physician loan just because you're a doctor. She compares medical provider options against conventional, FHA and adjustable-rate loans, so you can see the real trade-offs.
Look past the name on the program
The best program is the one that fits your timeline and budget, not the one with the most flattering name.
Terms vary by lender
Two lenders can treat the same file very differently.
How long you'll stay
If a residency, fellowship or first contract means a shorter stay, an adjustable-rate mortgage may be worth running the math on.
Your income will change
Once income steps up after training, refinancing may be worth reviewing later.
Compare side by side
Most medical professionals she works with compare two or three options before choosing.
How it works with Theresa
Get pre-qualified
She reviews your income, contract, credit and goals, and identifies which programs may fit.
Find your home
You shop knowing your range and what your payment could look like.
Complete your application
She tells you exactly what's needed and keeps you and your agent updated.
Close and move in
You get the keys knowing exactly what you signed and why.
Frequently asked
If yours isn't here, ask. She'd rather answer it now.
Can I get a mortgage before my new contract starts?
It's a common situation. Some programs allow a signed employment contract to be used to document future income, with conditions that vary by lender. Send Theresa your contract details and she'll tell you which doors are open.
Will my student loans stop me from qualifying?
Not automatically. How student loan payments are counted depends on the loan program and your repayment plan. That's exactly the kind of comparison Theresa runs for you before you apply.
Do I have to use a physician loan if I'm a doctor?
No. Theresa compares medical provider and jumbo options against conventional, FHA and adjustable-rate loans so you can see the real trade-offs.
Can family help with my down payment or closing costs?
Some programs allow gift funds, and the rules differ by program. Let Theresa know early if help is coming.
Which states can Theresa work in?
Kansas, Missouri, Nebraska, Arkansas, Tennessee, Texas and Washington.
Ask the Huntress
Start with a question rather than an application. Tell Theresa about your position, your timeline and the kind of home you want, and she'll walk you through what may be available.
(913) 705-0049