Immediate Help (855) 260-9932

Home Loans for Residents and Fellows

Loans with speed and flexibility during a time of change.

Request a Consultation

Medical residents and fellows have some of the highest mortgage decline rates in the entire country.

As a resident or fellow, you likely have high amounts of student loan debt (either in deferral or about to enter repayment) and are signing a new job contract with employment contingencies that do not align with traditional mortgage underwriting guidelines. This can cause a delayed closing and even a last-minute loan decline.

Our team at NEO Home Loans has spent the last decade serving thousands of Local residents and fellows in similar situations, and we understand the challenges you face. Our mortgage programs are designed to help you close on a home during your residency or fellowship with speed and flexibility.

You can trust to take care of you during your homebuying process and remove as many obstacles as possible so you can focus on your career.

Local Resident Mortgages

Benefits of our Local Physician mortgage programs

  • 100% financing up to $1M
  • 5% down up to $1.75M
  • Finance 2-unit properties
  • Use gift funds for down payment
  • Close prior to employment start date
  • Flexible with student loan debt
  • Available to J-1 Visa holders
  • Save with no mortgage insurance

Applying for a mortgage as Residents and Fellows

Request Your Free Home Loan Consultation

By checking this box, you agree to receive mortgage-related texts from NEO Home Loans. Msg & data rates may apply. Reply HELP for help or STOP to cancel.
X NEO Home Loans
Need Immediate Help? (855) 260-9932
Ready to Start Your Loan? Apply Now

We truly appreciate the opportunity to work with you on such an important financial transaction in your life and look forward to exceeding your expectations!

Allow mortgage related text message communication to this number. By checking this box, providing your phone number above, and clicking the "Submit Information" button below, you agree to receive text messages from NEO Home Loans. Consent is not a condition of service. Message and data rates may apply. Message frequency varies. Reply HELP for help or STOP to cancel.
X NEO Home Loans