Common challenges
Student loan balances can inflate DTI early in a high-earning career.
Programs that fit
Home loan
Jumbo Loans
A jumbo loan is a mortgage larger than the FHFA conforming loan limit for your county, used for higher-priced homes.
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Home loanConventional Loans
A conventional loan is a mortgage not insured by the government that follows Fannie Mae or Freddie Mac guidelines.
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Self-employedBank Statement Loans
A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.
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Tips before you apply
- Bring your signed employment contract.
- Ask how your student loan payment will be counted.
FAQ
What is the best mortgage for doctors & professionals?
It depends on your documentation and goal. The programs that most often fit are Jumbo Loans, Conventional Loans, Bank Statement Loans.