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Physician Home Loans

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Salt Lake City, UT
Physician Home Loans

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At NEO Home Loans, we simplify home financing for physicians and medical professionals, including those with 1099 income.

Our tailored programs offer competitive rates, low down payments, and no mortgage insurance, saving you money long-term. At NEO Home Loans, we empower you with financial literacy and help guide your journey to financial freedom.

10/30/2026

Is a pre-qualification enough, or do you need a full pre-approval? A quick online pre-approval isn't the same as a full credit-and-income approval reviewed by an underwriter, and sellers and agents know the difference. Being fully underwritten up front can leave only the appraisal, title, and paperwork, which can help you close quickly. The physician-focused team at NEO Home Loans powered by Better can walk you through it. Terms vary by program and situation.

Lending by Better Mortgage Corporation, NMLS #330511. Not a commitment to lend. Subject to credit and underwriting approval.
Immediate Help (855) 260-9932

10/29/2026

Can S-corp owners add back deductions to qualify for a mortgage? With W-2 income, expenses are already netted out, so it's simpler. With a 1099 or S-corp structure, write-offs can shrink the income used to qualify. In some cases, certain deductions can be added back when qualifying. The physician-focused team at NEO Home Loans powered by Better can walk you through your options. Terms vary by program and situation.

Lending by Better Mortgage Corporation, NMLS #330511. Not a commitment to lend. Subject to credit and underwriting approval.
Immediate Help (855) 260-9932

10/28/2026

Can you get a mortgage with production-based 1099 income? For 1099 medical professionals, including CRNAs, a contract showing guaranteed pay that continues for at least a year can be used to qualify. Production-based pay without a guarantee can be documented with one full year of tax returns. These underwriting guidelines can be more flexible than conventional loans, and terms vary by program.

The physician-focused team at NEO Home Loans powered by Better can walk you through your options.

Lending by Better Mortgage Corporation, NMLS #330511. Not a commitment to lend. Subject to credit and underwriting approval.
Immediate Help (855) 260-9932

10/27/2026

Why is it harder for medical professionals to get a mortgage? Since the mortgage meltdown, Dodd-Frank requires lenders to verify a borrower's ability to repay, with significant penalties for getting it wrong. That's why physician and medical-professional loans take a specialized approach.

The physician-focused team at NEO Home Loans powered by Better works through the common challenges: student loans, limited down payment, future income, and relocating without a paycheck stub.

Lending by Better Mortgage Corporation, NMLS #330511. Not a commitment to lend. Subject to credit and underwriting approval.

Immediate Help (855) 260-9932

08/10/2026

Did your mortgage suddenly become a problem the moment the lender heard “1099”?
These clients were already pre-qualified.
They thought financing was handled.
Then one lender pulled the rug out from under them.
Other lenders barely gave them five minutes before writing them off.
Why?
Their income didn’t fit neatly inside the box.
Then they found NEO.
Instead of:
“Sorry, we can’t do it.”
They heard:
“Yeah, I think we can make something work.”
That difference matters.
Because if you’re an optometrist with 1099 income, the problem may not be your ability to buy the home.
The problem may be that you’re talking to a lender who doesn’t know what options exist for someone like you.
So before you give up on the house, delay your plans, or assume you need to wait another year…
Get a second opinion.

07/29/2026

Physicians you've spent years in training, you shouldn't have to wait any longer to buy the home you really want.

Physicians in all 50 states may qualify to purchase a home up to $2 million with zero money down.

No need to tie up your savings with a large down payment.

Find out what you qualify for in just a few minutes.

Click the link below to get started.
www.medicalprofessionalhomeloans.com

07/28/2026

Medical school debt doesn't automatically make you a risky borrower.

Many physicians finish training with high student loan balances, limited savings, and years of low income—but they're also on a strong earning path.

That's why working with a lender who understands physician jumbo loans matters.

DM me "PHYSICIAN" if you're wondering how your student loans could impact your homebuying options.
My team will help you understand what's possible.

06/30/2026

Most physicians have been told they need a huge down payment to buy their next home.

That isn't always true.

Qualified physicians can now purchase a home up to $2 million with 0% down financing and credit scores as low as 680.

Before you spend years saving for a down payment you may not need, find out what your options really are.

Click the link to see how much you qualify for in minutes.
www.medicalprofessionalhomeloans.com

06/18/2026

Getting declined for a mortgage while you're becoming a doctor?

You're not alone.

Residents, fellows, and newly attending physicians face some of the highest mortgage denial rates in the industry—not because they're risky borrowers, but because many lenders don't understand how to properly navigate student loans, employment contracts, and low down payment physician loan programs.

Too many doctors get buried in red tape, delayed by unnecessary conditions, or denied altogether.

The good news? There are lenders who actually understand physician financing.

If you've been declined, frustrated by the process, or told you'll need to wait, don't assume that's your only option.

DM the letters **MD** and we'll show you how quickly a physician loan approval may be possible.

06/11/2026

Your student loans may be hurting your home loan approval more than you think.

Many resident physicians assume they need to wait until they become an attending to buy a home.

Others get a quick preapproval and discover underwriting issues after they've already started house hunting.

The problem isn't that you're a weak borrower.

The problem is that traditional lenders often don't understand resident physicians.

That can lead to:

❌ Student loans calculated incorrectly

❌ Employment contracts misunderstood

❌ Low down payment options overlooked

❌ Fellowship and relocation timelines creating delays

❌ Last-minute underwriting surprises

You worked too hard to let mortgage land mines derail your next chapter.

At NEO Physician & Medical Professional Home Loans, we help resident physicians build a mortgage strategy around:

✔ Student loan repayment plans

✔ Residency income

✔ Future employment contracts

✔ Relocation timelines

✔ Low down payment physician loan options

✔ Pre-underwriting to identify issues early

Because the goal isn't getting a quick preapproval.

The goal is moving forward with clarity, confidence, and peace of mind.

You are not a weak borrower.

You're a complex borrower.

And complex borrowers deserve a strategy.

Medical careers are complex. Your mortgage strategy shouldn't be.

📩 DM "RESIDENT" or comment "STRATEGY" to start with a Resident Physician Loan Specialist.

Address

2063 E 3900 S
Salt Lake City, UT
84124

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+18552609932

Website

https://www.medicalprofessionalhomeloans.com/

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