David Nelson
Mortgage Advisor | Director of Sales Training
NMLS# 223291
(801) 699-9148
[email protected]
www.medicalprofessionalhomeloans.com
2063 E. 3900 S
Salt Lake City, UT 84124
Available States: All States
A note from David:
“Finding the right home is only part of the equation. Your financing should also fit your career, income structure, and long-term financial goals.
With more than 17 years of mortgage experience, including over 12 years specializing in physician and medical professional loans, I understand that traditional mortgage guidelines do not always reflect the realities of a medical career.
Whether you are managing student loan debt, relocating for a new position, completing residency or fellowship, or earning 1099 income, my team and I help simplify the process and create a financing strategy built around your specific situation.
Our nationwide medical professional loan program offers flexible financing, including up to 100% financing, no private mortgage insurance, and options that allow eligible borrowers to close before starting a new position.
My goal is not simply to help you complete one transaction. It is to help you understand your options, avoid costly financing mistakes, and make a confident decision that supports your long-term financial goals. I also want to remain a trusted mortgage resource throughout your homeownership journey.
As someone who has lived with Type 1 diabetes for more than 35 years, I have a personal appreciation for the work medical professionals do every day. It is an honor to help those who dedicate their careers to caring for others.
Review the program highlights below and request a complimentary consultation to explore your options.”
Loan Program Highlights:
- Available in all 50 states
- $0 down to $2M with 680 credit score
- 10% down to $3M with 720 credit score
- 50% DTI
- No PMI
- Can close up to 6 months prior to new job start date
- Can close up to 3 months prior to new job start date for 1099 contract employees
- 0 reserves up to $1M, 3 months reserves from $1M – $2M and 6 months reserves from $2M – $3M
- Gift funds acceptable
- Second homes are included
- 2 unit properties are acceptable
- Student loans excluded when using residency or fellowship income to qualify
- Fixed and adjustable rates
- Non-cash out refinance available
- No time limit out of residency
- Expansive list of eligible medical designations including MD/DO/DDS/DMD/DVM/DPM/OD/PharmD/CRNA/NP/PA/DPT
DISCLAIMER: The mortgage lender referred through Curbside Real Estate is part of our Enhanced Lender Program and has been thoroughly vetted by our staff and clients for delivering excellent service. We are confident they will provide you with a positive and professional experience. However, if your experience is anything less than excellent, please let us know immediately so we can address the matter. This referral is provided as a convenience, and you are under no obligation to use this lender. We encourage you to explore all available options to find the best fit for your needs.