Non-QM
Doctor/Physician Loan: Flexible Financing Beyond Conventional Rules
The Doctor/Physician Loan is a Non-Qualified Mortgage (Non-QM) program designed for borrowers who do not meet traditional agency guidelines.
Program Details
The Doctor/Physician Loan offers alternative financing options for self-employed individuals, investors, or borrowers with complex income profiles. These programs are flexible in terms of documentation, credit history, and property type.
Designed to provide access to credit for non-traditional borrowers, the Doctor/Physician Loan helps meet unique income verification or property qualification scenarios.
Designed to provide access to credit for non-traditional borrowers, the Doctor/Physician Loan helps meet unique income verification or property qualification scenarios.
Eligibility Requirements
- May not require full income or tax return documentation
- Can include alternative or stated income verification
- Flexible credit history or recent credit events allowed
- May accept non-traditional employment or asset types
- Must meet lender-specific Non-QM guidelines
- Can include alternative or stated income verification
- Flexible credit history or recent credit events allowed
- May accept non-traditional employment or asset types
- Must meet lender-specific Non-QM guidelines
Program Benefits
- Offers access to credit for non-traditional borrowers
- Accommodates self-employed and gig workers
- No income or low doc options available
- Useful for recent credit events or unique properties
- Available for primary, second homes, and investments
- Accommodates self-employed and gig workers
- No income or low doc options available
- Useful for recent credit events or unique properties
- Available for primary, second homes, and investments
How to Apply
1. Speak to a Non-QM lender or broker
2. Review qualifying documentation or asset options
3. Submit application and lender-required forms
4. Underwriting with flexible criteria
5. Close loan and disburse funds
2. Review qualifying documentation or asset options
3. Submit application and lender-required forms
4. Underwriting with flexible criteria
5. Close loan and disburse funds
Program Overview
Category
Non-QM
Official Program Website
Information about this program is provided as a resource and may be subject to change. Always verify details with the official program website.
Important Note
Program availability, terms, and requirements may vary by lender and location. Additionally, programs are subject to change based on policy updates and market conditions. Always consult with a mortgage professional for the most current information and to determine eligibility for specific programs.