Mortgages for your profession
Standard underwriting was designed for W-2 salaries. These guides cover the programs that fit how doctors, agents, gig workers, first responders, nurses, and business owners actually earn.
Doctors & Physicians
Physicians, dentists, and veterinarians can buy with as little as 0 to 10% down, no monthly mortgage insurance, and future income counted from a signed employment contract, through physician loan programs built for high student debt and delayed earnings..
Realtors & Agents
Realtors building their own portfolios can finance rentals on the property income with DSCR loans, fund flips with short-term rehab capital, and qualify on commission income using bank statements when tax returns show too little..
Gig Workers & Freelancers
Rideshare drivers, delivery workers, and freelancers earning on 1099s can qualify with bank statements or 1099 forms instead of tax returns, counting real deposits rather than income left after mileage and expense write-offs..
First Responders
Police officers, firefighters, EMTs, and paramedics can buy with low down payments through conventional, FHA, VA, and assistance programs, with overtime and shift-differential income counted once it shows a stable history..
Nurses
RNs, LPNs, and travel nurses can qualify counting shift differentials, overtime, and stipends, with low down payment programs and bank statement options for contract nurses whose W-2s understate real earnings..
Small Business Owners
Business owners can qualify on real cash flow with bank statement, P&L-only, or 1099 programs when tax returns show little after depreciation, write-offs, and reinvested profits..
See what you qualify for
It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.