Utah's Physician Home Loan Experts

"My experience working with Josh and his team was a positive one. They made it as easy and painless as possible. Even when my refinance became more difficult than originally anticipated they handled it professionally and efficiently. They are very organized and do a great job communicating during the entire process. I would highly recommend them to anyone looking to refinance their mortgage."

Dr. James M. Dahle, MD, FACEP, Editor of The White Coat Investor
Utah Physician Testimonial
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Being a Physician focused mortgage team in Utah, we understand your unique situation

From the time you apply for your physician loan, to the big day you sign closing documents and get the keys to your new home, the entire loan process is managed and overseen in our office by our specially trained and experienced staff.

We have a deep understanding of physician's unique situations, including student loans and new employment contracts. We understand all of the moving pieces and our HIGHLY trained team, loan officers, processors and underwriters have been SPECIFICALLY trained to underwrite and serve physicians and the mortgage solutions we offer.

Nothing leaves our area of control and there are no 3rd parties to worry about. We don’t just double check. We have quadruple checks on closing dates and financing deadlines, which means you close on time and with no surprises.

Yes, we hold true to our slogan:

Say what you do. Do what you say. No surprises!

Popular Physician related mortgage questions

No problem! We are able to exclude student debt that is not currently in repayment from your debt to income ratios and even use stipend income to qualify in some cases. We advise you on how to best structure your student loans through income based repayment or deferment to not only qualify but to qualify for higher loan amounts.

No problem! We work directly with your employer to gather and document your pending employment, thus allowing you to close on the purchase of your new home up to 90 days prior to your first day on the job in some cases.

No problem! We love self-employed and 1099’d Physicians, and we never require two years job history. If you’re going straight into private practice, joining a group that pays via 1099, or buying into a partnership that doesn’t have a set W-2 wage or set minimum salary, we have a solution for you.

No problem! With our physician mortgage loans, you DON’T pay monthly mortgage insurance, even with down payments as little as 5%.

No problem! We can arrange for you to cover your closing costs in your loan, through seller paid closing costs or interest rate adjustment.

Contact your Utah
Physician Home Loan Specialist