Starting a new medical position often requires more than preparing for the job itself. Physicians and other medical professionals may need to relocate, purchase a home, and settle into a new community before receiving their first paycheck. We offer financing options to help eligible medical professionals qualify for a mortgage based on projected income from a new position, even when their employment has not officially started.
Qualify With an Executed Offer Letter
Eligible doctors and medical professionals may qualify using a fully executed employment offer letter with a start date up to 150 days after closing. For qualifying projected-income scenarios, borrowers may not need to provide pay stubs or tax returns. Instead, we can evaluate the documented income from the borrower’s upcoming position.
Program highlights
- Employment start date up to 150 days after closing
- Qualification using a fully executed offer letter
- No pay stubs required for eligible projected-income scenarios
- No tax returns required in qualifying cases
- Financing available before the borrower receives a first paycheck
- Options for eligible physicians and other medical professionals
- Solutions for borrowers relocating for a new position
Home Financing That Keeps Pace With a Medical Career
Our projected-income financing options can help bridge that timing gap. Rather than requiring borrowers to delay their home purchase until after starting work, we may be able to use the income stated in an eligible offer letter for qualification. We help doctors and eligible medical professionals explore mortgage solutions that align with the timing of their careers. If you have accepted a new position and want to purchase a home before your employment begins, contact us to discuss your offer letter, anticipated start date, and available financing options.
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