Doctor Home Loans

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We’re passionate about helping Physicians succeed!

You have unique situations that can often stump conventional mortgage lenders. Our specialized programs are designed to get you into the home of your dreams. We deliver solutions, transparency, quick responses to your questions and we close fast - all while giving you a consistently remarkable mortgage experience.

Mortgage Programs for Physicians

  • 95% financing options up to $1M & 90% up to $1.5M
  • Save thousands, no mortgage insurance!
  • Qualify with deferred or IBR student loans
  • Able to close up to 90 days prior to start of employment contract
  • Gifted or borrowed down payment okay

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We wrote the book on physician home loans, literally. Get yours free today!

What Type of Loan is Best for Home Remodel or Renovation?

One of the questions that we get all the time is, what type of loan is best for home remodels or renovations or home improvements? We stumbled upon these interesting facts from Zillow comparing or asking potential home buyers what would they rather do. Would they rather renovate their existing home and make it just […]

Powerball Blues Got You Down? INVEST IN REAL ESTATE!!

Do the Powerball blues got you down? Yeah, you didn’t win the billion dollars, but I’ve got a great consolation prize for you. It’s called investing in real estate, and unlike Powerball, there’s a lot of winners when it comes to investing in real estate. I know. I bought my first investment property when I […]

Student Loan Debt & Mortgage Decline

One of the things that trip our clients up the most is student loan indebtedness. Most lenders, whether it be loan officers at other banks that aren’t familiar with working with professionals that have student loans, don’t really identify how to correctly classify those student loan payments, and so a situation that we see very […]

Will the housing market survive the next economic slowdown?

The economic expansion that began in 2009 is the longest in American history.  Bull markets cannot run forever and at some point in the future (potentially the near future) the economy will need to pause to take a breather.  Like many of the clients I speak with, you may be wondering how the housing market […]

Conventional Mortgage VS Physician Mortgage

What’s the difference between a Conventional Mortgage Loan and Our Physician Home Loan? One of the questions we receive all the time from our clients is, what is the difference between a physician home loan and a conventional mortgage? There’s a couple of key differences and advantages to the physician home loan. The first is […]

Doctor Mortgages 2018 – What’s Changed & What You Need to Know Now

  Never have there been so many options for physicians seeking a mortgage.  Banks have come out of the woodworks to offer doctor or physician mortgages as they are so often called.  In a nutshell, these loans make it easier for doctors to qualify for mortgage financing. How does a physician mortgage make it easier […]

Physician Relocation

  Our team often deals with medical professionals relocating across the country or just simply one state to another to start new employment whether that be completing med school and starting residency, residency to fellowship or practice or from one attending job to another.  Any way you look at it, the steps involved can seem […]

Match Day 2018

Match Day is a term that is widely used in the medical community to represent the day when the National Resident Matching Program releases results to applicants pursuing residency and fellowship positions at hospitals and health systems around the country.  Last year was the largest Match Day on record with more than 35,000 med school […]

How To Buy a Home a Long Way From Home

Many times when you’re a remote buyer, you’re going to be handling the inspections remotely. This means that the Realtor’s going to work or act on your behalf, meeting with the inspector, talking with the inspector about the issues, sending you the report, and being your eyes and ears. The Realtor also needs to be […]

Why We Do Physician Mortgages

Physician Home Loans at Fairway Independent Mortgage Corporation. About a year after we started serving physicians and dentists, I received a phone call from a particularly disturbed young man who was making his way across the country with his young family and a couple of kids, as I recall. He had received a phone call […]

Challenges in Obtaining Physician Financing

Particularly when physicians are just starting their careers, we see many of the same challenges in obtaining financing. 1.  Large Student Loans The first question I ask a client seeking mortgage financing is, “Do you have any student loans?” The majority of residents, fellows, and young attending physicians are going to say yes. Very few, […]

Physician Mortgage Declined – Dr. Gilbertson True Story

For your free copy of Why Physician Home Loans Fail, Follow the link below! www.fairwayphysicianloans.com Dr. Gilbertson had two unique challenges. As he talked to numerous conventional lenders before making his way to us, he found that his down payment was not sufficient and that a closing date before starting employment was impossible with those […]

Physician Mortgage Declined – Dr. Fish True Story

Why Physician Home Loans Fail – Dr. Fish, True Story Dr. Fish, a surgeon, was coming out of fellowship. He was recruited by a practice across the country that was a subgroup of a larger hospital network. His employment contract was complicated, although not that uncommon, in that he had one contract with the large […]

Down Payment Assistance Available to Physicians in Training – Residents & Fellows May Qualify

Physician Mortgage Grants. Down payment grants are currently available in conjunction with one of our physician home loan programs in Arizona, California, Colorado, Florida, Idaho, Illinois, Massachusetts, Minnesota, North Dakota, Nevada, Pennsylvania, Texas, and Wisconsin. Not all counties in each state are covered; please reach out to us for additional questions and program specifics. Depending […]

June Scorecard for our Team

You know, the best thing about the Fairway Scorecard is that it does not lie.  It does not care about what you accomplished last month, how good you think you are, or your ego…  It tells you the truth, the whole truth and nothing but the truth. June was a landmark month for our team […]

Speed to Close & Communication Keeps Our Doctor Mortgage Clients Happy

In May 2017 we were honored to help 127 families into their new homes across 49 states. We recognize that the intense seller’s market has made it harder than it was before to realize the dream of home ownership. We are grateful to have an insanely fast underwriting and closing process, averaging just 17.4 days from written […]

Doctor Mortgage Declined?

Was your doctor mortgage declined and you are not sure what to do or where to go? A few years back I received a call from a young man who was noticeably upset. His breathing, his tone, and his words were scattered and erratic.  As he tried to regain his composure he told me he […]

3 Reasons the Housing Market is NOT in a Bubble

Love this post from the blog Keeping Current Matters and wanted to share it for our readers who are in the market for a doctor mortgage or a CRNA mortgage. With housing prices appreciating at levels that far exceed historical norms, some are fearful that the market is heading for another bubble. To alleviate that […]

Will higher prices and rates snuff out the real estate market?

A recent hot topic with clients has been about waiting out this hot market rather than buying in 2017. Their reasoning is that higher interest rates and home prices will ultimately snuff out the real estate market and prices will likely come back down. If you are a physician who is thinking about buying a […]

Match Day Is Here… What You Need To Know About The Real Estate Market and Doctor Mortgages In 2017!

Congrats!  You have matched and the adventure of residency awaits you.  Now you need to figure out where you are going to live and fast!  Here’s what you need to know to successfully navigate the landmines and have a flawless home purchase in 2017. Your primary challenge is going to be finding a home. As […]

Fundamentals Pushing Real Estate Prices Higher. Can A Doctor Mortgage Loan Help?

Most often our clients come to us for advice about doctor mortgage loans, but from time to time those same doctors also need to know about what is happening in the real estate market and is it the right time for them to buy in .  There is an element of fear in many of […]

Should I buy a bigger, more costly home? How do I decide?

This is a Total Cost Analysis that I put together for a client that was contemplating moving up. And I’d like to have more of these discussions. But the truth is I need your help. I’d like to walk you through the presentation and at the end I’m going to invite you to let me […]

Rent vs. buy case study

Hey guys! I just created this exact analysis for a couple of clients of mine in California and we called it the Rent vs. buy case study. I took their names off, obviously. But the numbers were staggering and I wanted to share it because I think it can impact so many of our clients […]

What is the cost of waiting to buy a home?

I’ve been getting a good amount of questions from clients asking about what’s going to happen with interest rates in the future, where are home values going in the future and what does that do to my buying power. So, I’ve put together this Total Cost Analysis as a case study to look at what […]

Our core values and why we do what we do

Here is why we do what we and how we got started specializing in physician, dentist, CRNA and other medical professions home loans. Even if you’ve been turned down by another lender, give us a call! We believe in honoring all who seek our help by treating them with warmth, empathy and understanding. We exist […]

CRNA mortgage programs now available!

Hi and thanks for attending this brief overview of the Fairway CRNA mortgage program. This program was recently expanded to be available to CRNAs for our MD and DMD clients, so we’re really excited to share this program with you. I’m going to give you a brief overview of the program and try and iterpret […]

What is a physician home loan and do I qualify while in training?

In the simplest terms, a physician home loan has more liberal underwriting guidelines, whereas conventional and FHA loans are underwritten to more rigid and inflexible underwriting guidelines. Conventional and FHA loans are rarely the best solution for a young physician in training. The Conventional Loan Conventional loans are purchased by government sponsored enterprises such as […]

You Can Never Have TMI about PMI :)

When it comes to buying a home, whether it is your first time or your fifth, it is always important to know all the facts. With the large number of mortgage programs available that allow buyers to purchase a home with a down payment below 20%, you can never have Too Much Information (TMI) about […]

Election chaos impact on home values

I’m not sure if you saw the most recent pending home sales report but the numbers were clearly down from last year, meaning less homes are selling today as compared to last year at this time. The question I have is does that mean we are entering a pullback in home prices, and could the […]

Housing Facts and Figures Without The Subjective Opinion

Zillow just released their 2016 mid-year report and 3 of the figures shocked me, so I thought I would share them with you. The question I’m getting from clients is, are we in another housing bubble? Based on these numbers below, you decide: The number of homes for sale nationally are DOWN over 35% since […]

Is the Public Service Loan Forgiveness Program going to end?

  We were fortunate to have Jan Miller, a student loan expert on our Physician Financial Success podcast, and he talked about whether the Public Service Loan Forgiveness Program was going to end. Watch this short clip from his very informative interview about student loans, IBR, the REPAY program and many other topics of interest […]

Dr. John Ramey – should residents avoid buying a home?

Josh Mettle: That’s a great point. A couple of thoughts: I agree with you. It’s absolutely an individual decision, and I think that the comments on some of the websites that just talk about avoiding buying a house as a resident misses the mark just a little bit, although I do believe it’s well-intentioned. But […]

Harvard: 5 Reasons Why Owning A Home Makes Sense Financially

Eric Belsky is the Managing Director of the Joint Center of Housing Studies (JCHS) at Harvard University. He authored a paper on homeownership titled – The Dream Lives On: The Future of Homeownership in America. In his paper, Belsky reveals five financial reasons why people should consider buying a home. Here are the five reasons, […]

Location matters when residents want to sell to other residents

John Ramey: One of the things I always try to tell medical students and residents is you really, like you said earlier, you need to know the neighborhoods that residents live in because if you pick a neighborhood that residents like to live in, then the likelihood you’ll be able to sell to a resident […]

Is real estate a good investment for doctors?

Josh Mettle: One of the most common questions I get from the docs we work with and even members on the board is asking advice around if they should invest in real estate as a means of diversifying their retirement strategy and having cash flow long-term. Now we’ve already heard your thoughts on where real […]

Doctors need a Full Credit and Income Approval early on

Todd Dekuyter: It really is like you say in the book the tortoise and the hare, right, that overconfidence is what made him lose the race. And by not following up and doing the due diligence and the steps that are important it can blow up in your face right when the time comes and […]

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