Jon Tober, NMLS #212945, CrossCountry Mortgage

06/02/2026

Becoming a physician takes years of hard work, dedication, and sacrifice. Unfortunately, many doctors find themselves facing unique challenges when it comes to buying a home, especially during residency or early in their careers.

That's where physician loan programs can help.

Whether you're currently in residency, just starting your medical career, or have been practicing for years, physician loans are designed to help make homeownership more accessible by addressing some of the obstacles medical professionals commonly face.

If you're a physician and wondering what options may be available to you, let's have a conversation and explore the right path toward homeownership.



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05/29/2026

**A lot of physicians think buying a home has to wait until “later.” 🩺🏡**

The reality is, many doctors face unique challenges early in their careers — especially during residency. Lower income during training combined with high student loan debt can make the process feel overwhelming.

✔️ Doctor loan programs are designed specifically for physicians
✔️ They can help work around high student loan balances
✔️ Some programs offer low down payment options
✔️ It creates opportunities for buyers who may not fit traditional loan guidelines

The goal is understanding the strategy and finding the right path forward for your situation.

Shoutout to for the conversation and collaboration 🤝



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**Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199 | https://f.mtr.cool/zpegyrqepp
[www.nmlsconsumeraccess.org](https://f.mtr.cool/mginzfvwrz | Equal Housing Opportunity

This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

05/27/2026

Physicians: most have no idea this many loan options exist.

If you’re a doctor, resident, fellow, or medical professional, you may be able to buy a home with little to no money down even with significant student loan debt.

The reality? Most lenders don’t fully understand physician financing… and many medical professionals end up being overqualified but underapproved.

With rates, seller concessions, and negotiating power still creating opportunity for buyers, this window may not stay open forever. Once the market shifts, flexibility disappears fast.

In this video, Raul Jimenez with the The Schrader Group and mortgage expert Jon Tober break down:

✔️ How physician loans work

✔️ Common mistakes doctors make when financing

✔️ How future income and student loans are viewed

✔️ Strategies that can preserve cash flow early in your career

If you’re planning a move, starting residency, relocating for a new position, or simply want to understand your options before the market changes, this is worth watching.

▶️ Watch the full video below.

If you’re a doctor, resident, fellow, or medical professional think...

05/25/2026

**One of the most interesting things about helping people buy homes? There’s no “perfect” age to start. 🏡**

Some clients buy their first home in their 20s. Others wait until later in life. And honestly? Both journeys are equally rewarding to be a part of.

✔️ Everyone’s timeline looks different
✔️ Some people start early and grow into bigger homes later
✔️ Others wait until life, career, or family feels more stable
✔️ The important part is creating a plan that fits *your* life — not someone else’s

Homeownership isn’t a race. It’s about finding the right moment and the right strategy for you.

📲 DM me **“START”** and let’s talk about where you are in your journey.



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05/24/2026

**One of the biggest mistakes first-time buyers make? Thinking their first home has to be their forever home. 🏡**

A lot of buyers put pressure on themselves to find the “perfect” house right away… but that’s usually not how real estate works.

✔️ The average first-time homeowner stays in their home around 5–7 years
✔️ Your first home is often a stepping stone, not the final destination
✔️ Building equity early creates more options later
✔️ Sometimes the smartest move is simply getting into the market

Your first home doesn’t need to be perfect — it needs to help move your future forward.

📲 DM me **“FIRST”** and let’s talk about what your first step could look like.



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**Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199 | https://f.mtr.cool/osrdurjhyo
[www.nmlsconsumeraccess.org](https://f.mtr.cool/ogqeptydyq | Equal Housing Opportunity

This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

05/23/2026

**There’s a difference between being financially ready… and emotionally ready to buy a home. 🏡**

A lot of buyers focus only on the numbers — but both sides matter when making one of the biggest decisions of your life.

✔️ Financially ready means understanding your income, bills, and monthly comfort zone
✔️ Emotionally ready means not rushing into a home that doesn’t truly fit your needs
✔️ Buying under pressure can lead to regret later
✔️ The right timing is when both your finances *and* your mindset align

A smart home purchase isn’t just about getting approved — it’s about feeling confident in the decision long after closing day.

📲 DM me **“READY”** and let’s talk about where you stand in the process.



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**Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199 | https://f.mtr.cool/sfhersmpjw
[www.nmlsconsumeraccess.org](https://f.mtr.cool/mltqebnzzj | Equal Housing Opportunity

This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

05/18/2026

Realtor Friends!
This Wednesday, May 20th!
Stop Chasing. Start Attracting!

Build the Right Audience. Create Better Conversations. Turn More Relationships Into Contracts.

In today’s market, the agents who win are not always the ones working the hardest, they are the ones creating the right message, in front of the right people, at the right time.

This class is built to help Realtor partners attract more of the clients they want to work with, instead of feeling like they are constantly chasing cold leads, dead-end conversations, or people who are “just looking.”

What we’ll cover:

✅ Who to target

Know exactly who your best opportunities are.

✅ How to target them

Create a simple plan to stay visible with the people most likely to buy, sell, or refer.

✅How to build attraction with your database and target audience

Stay top of mind without sounding salesy.

✅ Crafting messages that turn conversations into contracts

Learn how to create conversations that feel natural and lead to real business.

Why you should attend:

Because your next closing may already be sitting in your phone, your database, or your social audience they just need the right message at the right time.

Whether you’re a seasoned agent looking to create more momentum, or a newer agent wanting to build confidence and consistency, this class will give you practical ideas you can use immediately.

Seats are limited, don’t wait.

Wednesday, May 20th
10:00 AM
RSVP Today

Sophear Wilson: [email protected]
Jon Tober:
[email protected]

05/18/2026

**Sometimes the “perfect home” shows up before you’re ready to sell your current one. 🏡**

I recently worked with clients who had outgrown their home and found the next house that fit their family perfectly — but they didn’t want to lose the opportunity while waiting to sell.

✔️ They used a “buy before you sell” strategy
✔️ This allowed them to tap into the equity from their current home
✔️ They were able to move forward without missing out on the new property
✔️ The right strategy gave them flexibility and confidence throughout the process

A lot of homeowners don’t realize there are options that can help make the transition smoother.

📲 DM me **“MOVE”** and let’s talk about what your next step could look like.



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**Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199 | https://f.mtr.cool/rojvpcdoyx
[www.nmlsconsumeraccess.org](https://f.mtr.cool/ohyrvfvcfu | Equal Housing Opportunity

This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

05/18/2026

**Should you buy the home you WANT… or the home you can comfortably afford? 🏡**

One of the biggest mistakes buyers make is focusing only on the purchase price — without thinking about how the payment fits into everyday life.

✔️ A bigger home usually means a bigger monthly commitment
✔️ Your comfort level matters just as much as the approval amount
✔️ The “right” home is the one that supports your long-term goals
✔️ Buying smart today can create more flexibility tomorrow

The goal isn’t just getting the keys — it’s enjoying the life that comes with them.

📲 DM me **“BUDGET”** and let’s talk about what makes the most sense for your situation.



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**Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199 | https://f.mtr.cool/bcepnbbaku
[www.nmlsconsumeraccess.org](https://f.mtr.cool/tykxkrnrut | Equal Housing Opportunity

This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

05/16/2026

**Getting denied doesn’t mean your homeownership journey is over. 🏡**

I recently worked with a client who applied, got denied… and came back stronger. Instead of giving up, they used the feedback as a roadmap.

✔️ They improved the areas that were holding them back
✔️ They stayed focused on the long-term goal
✔️ They came back in a much stronger financial position
✔️ And this time, they were ready to move forward confidently

Sometimes the first “no” is exactly what helps create the next “yes.”

📲 DM me **“PLAN”** if you want to understand what steps could put you in a better position to buy.



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**Jon Tober NMLS ID # 212945 | Branch NMLS ID # 2459893 | Summit Funding, Inc. NMLS ID # 3199 | https://f.mtr.cool/pfgpwlymcb
[www.nmlsconsumeraccess.org](https://f.mtr.cool/wzslukjegp | Equal Housing Opportunity

This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.