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Self-employed & other income

Medical-professional mortgage

The short answer Some lenders design mortgages for eligible physicians, dentists, residents, fellows, or other listed professions. Features may address employment contracts, student debt, or down payment needs, but the eligible professions and benefits vary by lender. It is lender-specific underwriting, not an automatic benefit for every healthcare worker, so ask Marcus about current options.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • You are a physician, dentist, resident, fellow, or in another profession a program may list.
  • You are early in your career, have significant student loans, or are about to start a new position.
  • You are buying a home you will live in.

Tradeoffs to weigh

  • Eligible professions differ by program; not every nurse or medical employee fits.
  • Benefits and terms vary widely between lenders.
  • Using a future employment contract depends on timing and documentation rules.
  • A personal home loan is different from financing a practice or medical office.

What to have ready

  • Your profession and current stage of training or employment.
  • Your start date, if you have a new position or signed contract.
  • Confirmation that you will live in the home.
  • The state where you plan to buy.
  • A general picture of your student loans and other debts.

Questions people ask

Does every nurse or medical employee qualify?

Not under every program. Eligible credentials depend on the lender's program.

Can a signed future employment contract help?

Some programs allow it under defined timing and documentation rules. Ask Marcus about current options.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my applicationTalk to Marcus

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Marcus Wright
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Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

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  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
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(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

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I aim to get back to you within a few working hours, often sooner.

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