Healthcare Professionals

Doctors and other healthcare professionals often have financial situations that don't fit traditional mortgage guidelines.

You may have substantial student loan debt, recently completed your training, or accepted a new position with a great salary—but a traditional lender may still say no.

The good news? There are mortgage programs designed specifically for medical professionals.

Through specialized lending partners, including PRMG, I can explore financing options designed around the unique financial circumstances of eligible healthcare professionals.

Depending on the program and your qualifications, benefits may include:

• Up to 100% financing — potentially purchase without a down payment.
• No monthly mortgage insurance on eligible loans.
• Loan amounts up to $2 million for qualifying borrowers.
• Flexible student loan treatment for certain eligible medical professionals.
• Employment contract qualification — some borrowers may qualify using an eligible offer letter or employment contract.
• Flexible debt-to-income guidelines - eligible student loans may be excluded from qualifying calculations under certain programs.

Eligible professions may include physicians, dentists, veterinarians, pharmacists, nurse anesthetists, qualifying nurse practitioners, and medical residents or fellows.

Eligibility varies by profession, loan program, employment status, credit profile, and other underwriting requirements.

She Cared for Her Community. We Helped Her Call It Home.

A healthcare professional, just a few years out of medical school, wanted to purchase a home and put down roots in the community she served.

She had strong earning potential—but substantial student loans pushed her debt-to-income ratio beyond the bank's guidelines.

Instead of accepting the decline, I explored specialty healthcare financing.

We found a program that allowed her eligible student loans to be excluded from the qualifying calculation.

The result? She purchased her home with 100% financing.

One lender's guidelines didn't tell her whole financial story.

With 23 years in mortgage lending, operations, and servicing, I know that the right financing solution often begins with understanding why a traditional loan doesn't work.

My job isn't simply to take an application. It's to understand your financial picture, identify potential obstacles, and explore lending programs that fit your circumstances.

Before you assume your student loans will prevent you from buying a home, let's take a second look.

Vickie Bouffard

1st American Residential Lending, LLC

602-922-3501

Programs, loan amounts, down payment requirements, student loan treatment, and eligibility are subject to current lender guidelines, underwriting approval, and availability. Not all applicants will qualify. Financing of 100% of the purchase price does not necessarily eliminate closing costs or other required funds.