Physician Group at Neo Home Loans

“Impossible” Physician & Medical-Professional Home Loans
When banks say NO… NEO says yes!

Get Pre-Approved in Minutes: https://www.medicalprofessionalhomeloans.com/wcihomeloans/

Who We Specialize In

  • Newly 1099 doctors, dentists, PAs, NPs, CRNAs, therapists, vets
  • Clinicians who just bought into or started a private practice (no K-1 history)
  • Self-employed professionals with multiple / irregular income streams (locums, tele-med, consulting)
  • High student-loan balances, credit blemishes, or limited reserves
  • Unique property purchases—non-warrantable condo, acreage, mixed-use, etc.

(If another lender has already said “no,” you’re in exactly the right place.)

Who Should Use a Conventional Lender Instead

  • W-2 physicians with stable paystubs, ≥20 % down, 780+ FICO
  • Buyers of plain-vanilla tract homes needing zero creative structuring
  • Shoppers already fully approved elsewhere who only want to shave ⅛ percent off the rate

Loan Officers

Josh Mettle (NMLS #219996)
STATES:  AZ, CA, CO, FL, GA, PA, TX, UT, WA
EMAIL:  [email protected]
PHONE:  855-260-9932

Terms:

  • Up to 100 % financing on physician loans to $1 M
  • 0–5 % down jumbos, no PMI
  • Credit scores down to 580 on select programs
  • Gift funds and business assets allowed for down payment

Professions:

MD, DO, DDS, DMD, Resident, Fellows, PA, NP, DVM, RN, CRNA, DPM

Strengths:

Why NEO Says “YES”

Your Hurdle Our Solution
Less than 12 months of 1099 income Future-contract & projected-income underwriting
Complex K-1s & write-offs Cash-flow analysis that looks forward
High student-loan debt Special DTI treatment & PSLF alignment
Time-sensitive purchase Closings in as little as 14 days
Credit blemishes Fico scores down to 580

 

“After two big banks declined us for lack of 1099 history, NEO approved our $1.4 M jumbo and closed in 16 days.”
— Dr. Lance ⭐⭐⭐⭐⭐

 

Your 3-Step Plan

  1. Schedule a 15-Minute Strategy Call
  2. Upload Your Story (contract, practice paperwork, locums schedule)
  3. Close With Confidence—and move in on your timeline

Start Now: https://www.medicalprofessionalhomeloans.com/wcihomeloans/

Stop Letting “No” Define Your Home-Buying Journey

Join thousands of White Coat Investor readers who turned complex finances into confident home ownership with NEO.