Unlocking Homeownership: Specialized Mortgages for Medical Professionals

As an experienced mortgage broker, I’ve had the privilege of helping countless individuals and families achieve their homeownership dreams. One group I’m especially passionate about assisting is medical professionals such as doctors, dentists, veterinarians, optometrists, and others who dedicate their lives to caring for others. For many new medical professionals, the road to buying a home can feel challenging right out of school, but I’m here to make it easier.

The Traditional Mortgage Hurdle

If you’re a medical professional, you’ve likely encountered this common issue: most lenders require a two-year average of working income to approve your mortgage application. For someone who has just started practicing or is in a residency program, this can be a significant roadblock.

Why is this the case? Traditional mortgage programs base approval on income stability, and many lenders require a longer track record of earnings to minimize risk. However, this model doesn’t reflect the unique circumstances of medical professionals, who often have high earning potential but a limited work history due to years of education and training.

A Tailored Solution: Projected Income Mortgages

This is where my specialized medical professional program comes in. I work with lenders who understand the financial realities of medical professionals and are willing to offer a solution: projected income mortgages.

Rather than requiring two years of income history, this program allows us to use your future earning potential based on your specialty and medical program. Here’s what this means for you:

No unnecessary delays: You don’t have to wait to build a work history before purchasing a home.
Higher approval amounts: Your projected income, which reflects your high earning potential, can give you access to larger loans with as little as 10% down payment.
A simplified process: I’ll guide you through every step, ensuring you understand your options and feel confident in your decisions.

Who Qualifies?

This program is designed for licensed medical professionals, including:

Medical Doctors (MDs)
Dentists and oral surgeons
Veterinarians
Optometrists
Residents and fellows

Why Mortgages for Medical Professionals Matter

For many new doctors, dentists, and other medical professionals, buying a home feels like a distant goal. Between student loan debt, limited savings, and a lack of income history, it’s easy to feel overwhelmed.

But your situation is unique, and your mortgage solution should reflect that. This program recognizes the dedication and potential of medical professionals and removes unnecessary barriers to homeownership.

Why Work with Me?

I specialize in helping medical professionals navigate the complexities of the home-buying process. My approach is personalized, meaning I take the time to understand your goals and financial situation. With my expertise, you can trust that you’re in good hands. Let me take care of the details so you can enjoy your house hunting experience. I have respected referral partners such as realtors, lawyers, appraisers and insurance professionals so you are fully taken care of throughout the home buying process.

When you work with me, you’ll benefit from:

Clear communication: I’ll explain your options and help you make informed decisions. I am also available via text which makes life easier for a busy doctor who is always on the go
A tailored approach: Your mortgage solution will be customized to your unique circumstances.
Ongoing support: I’ll be with you every step of the way, ensuring a smooth and stress-free experience, even after your mortgage funds.

Let’s Get Started

If you’re a medical professional ready to explore your mortgage options, I’d love to help. Buying a home is an exciting milestone, and it’s my goal to make the process as seamless as possible for you. Call me or complete my online application to get started

90% Loan to Value. Only
10% down payment is required
Mortgage Insurance (CMHC fees) apply
An employment contract alone qualifies along with proof of time since graduation and specialty
Applies to the mortgage for your primary residence
Student loans and high debt load are expected after medical school! My program mitigates the payments and the high student debt will not be a roadblock
No specific bank account is require with any particular bank in order to use the medical professional program.
They simply draw the payment out of your usual bank account