Low or no down payment options
No private mortgage insurance in many cases
Flexible student loan treatment
Ability to qualify using a signed employment contract
For physicians moving to Colorado, these features can simplify the buying process during a busy career transition.
Eligibility generally includes:
MD or DO
DDS or DMD
DPM
Certain other licensed medical professionals
Qualification guidelines vary depending on loan size and property type. If your purchase exceeds conforming loan limits — especially in higher-value areas — we may structure the loan using Jumbo or Super-Jumbo guidelines while maintaining physician-program advantages when available.
Many physicians purchase a home before officially starting a new position.
Physician Loan programs often allow qualification based on a signed employment contract rather than requiring established pay history.
This is particularly helpful for:
Residents transitioning to attending roles
Fellows relocating to Colorado
Physicians moving from out of state
Proper documentation timing is critical to ensure underwriting approval remains smooth.
Medical professionals frequently carry substantial student loan balances. Traditional underwriting may calculate those payments in ways that inflate debt-to-income ratios.
Physician Loan programs often provide more flexible student loan calculations depending on repayment structure.
Understanding whether your loans are:
Income-driven repayment
Deferred
Standard amortization
Consolidated
Directly affects qualification strategy.
Early review allows us to position your file correctly before pre-approval is issued.
Physician Loans are commonly used in:
Denver metro communities
Boulder and Front Range areas
Colorado Springs
Fort Collins
As Colorado’s healthcare network continues expanding, physician relocation remains a strong driver of home purchases.
Physicians have unique financial profiles. Your mortgage should reflect that.
I focus on:
Careful review of employment contracts
Strategic student loan positioning
Aligning closing timelines with job start dates
Proactive documentation preparation
Clear communication during relocation
Relocating and purchasing simultaneously requires clarity and preparation.
If you are a physician purchasing in Colorado, the first step is reviewing your employment contract, student loan structure, and target purchase range.
From there, we design a financing plan that supports both your move and your long-term goals.
I’m here to support you every step of the way. If you’re ready to turn your home financing goals into your new reality, let’s work together.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
