Home loans designed for professionals.
Professional loan programs are built for doctors, dentists, attorneys, CPAs and other licensed professionals, including those early in their careers. They recognize your future earning power and handle student loans and new employment contracts differently than standard programs.
Who it's for
- Physicians, dentists, veterinarians and pharmacists
- Attorneys, CPAs and other licensed professionals
- Residents, fellows and professionals starting a new position
How it works with me
- Some programs can qualify you using a signed employment contract before your start date.
- Student loans may be calculated in a more favorable way than standard guidelines.
- Many professional programs do not require private mortgage insurance. I will review which ones you qualify for.
What you'll need
- Your professional license or proof of degree
- A signed employment contract or recent pay stubs
- Student loan statements and asset statements
Every situation is different. Send me your scenario and I will tell you honestly which programs fit, and compare them side by side in writing.
Programs, terms and eligibility vary and are subject to credit approval, underwriting guidelines and program availability. Not all applicants will qualify. This is not a commitment to lend. Laila Smith, NMLS #844202, HomeTown Lending, NMLS #2712965. Equal Housing Opportunity.
Questions buyers ask me
I am finishing residency. Can I buy now?
Possibly. Some programs accept a signed contract for your new position. Reach out early so we can plan your timeline.
Which professions qualify?
It varies by program. Medical, dental, legal and accounting professionals are commonly included. Ask me about your specific license.
Do professional loans have mortgage insurance?
Many do not. The details vary by program, and I will show you the options side by side.