What Makes The Goldman Group Different
Experience, Execution & Personal Service
A great mortgage program is only as valuable as the team executing it. The Goldman Group combines the resources and lending platform of Rate with an experienced mortgage team focused on making complex transactions feel simple.
Experience You Can Rely On
Led by Jon Goldman and Matt Kennedy, The Goldman Group brings decades of mortgage experience to every transaction. Jon has helped thousands of families throughout his career and has been repeatedly recognized among the nation’s top mortgage professionals, including Top 1% industry honors and Chicago Agent Magazine Loan Officer of the Year recognition.
Speed + Certainty
Our team is built around proactive underwriting and execution. PowerBid allows qualified buyers to complete underwriting upfront, creating greater certainty before they make an offer and helping position them more competitively when the right property becomes available.
Personal Service—Not a Call Center
You aren’t handed off to an anonymous call center. You’ll work with an experienced mortgage team that remains accessible throughout the process, from initial strategy and pre-approval through underwriting, closing, and beyond.
More Than One Mortgage Solution
Our extensive lending platform allows us to look beyond a single product. For physicians with complex income, significant assets, investment properties, upcoming employment, or other unique circumstances, we can evaluate multiple financing strategies rather than trying to fit every borrower into the same box.
Complex Doesn’t Have to Mean Complicated
From future employment and 1099 income to jumbo financing, investment properties, non-warrantable condos, and Non-QM scenarios, our team specializes in navigating transactions that may require a more sophisticated lending strategy.
A Long-Term Mortgage Resource
Our relationship doesn’t end at closing. As your career, family, real estate portfolio, and financial goals evolve, our team remains available to help evaluate future purchases, refinancing opportunities, investment properties, home equity strategies, and other financing needs.
Our Approach
Understand the full financial picture. Compare the available options. Build the right strategy. Execute with speed and certainty.
For medical professionals, that means finding the mortgage that makes the most sense for you—not simply the mortgage with “Doctor” in its name.
FICO 720+
Up to 100% financing to $2,000,000 with no PMI
Up to 89.99% financing to $2,500,000 with no PMI
FICO 680–719
Up to 100% financing to $1,500,000 with no PMI
Up to 95% financing to $2,000,000 with no PMI
Up to 75% financing to $2,500,000 with no PMI
Available Loan Terms
Fixed Rate: 10-, 15-, 20-, and 30-year terms
Adjustable Rate: 5-, 7-, 10-, and 15-year ARMs
Flexible Qualification
Debt-to-income ratios up to 50%
Reserve requirements as low as 0–6 months
Gift funds permitted
Non-occupant co-borrowers allowed on eligible transactions
Asset depletion available for qualifying
Flexible options for eligible 1099 income
Options for credit toward departure residences
Gift Funds Can Go Further
Eligible gift funds may be used toward down payment, closing costs, and reserves. Combined with eligible seller concessions, certain transactions may potentially be structured with little to no out-of-pocket funds at closing.
More Property Options
Single-family homes
1–2 unit properties
Townhomes and PUDs
Warrantable condominiums
Select non-warrantable condominiums
Modular homes
Broad Borrower Eligibility
Options are available for eligible U.S. Citizens, Permanent Residents, Non-Permanent Residents, and Foreign Nationals.
Long-Term Flexibility
No prepayment penalties
Mortgage recasting available
MD, DO, DDS, DMD, DVM, CRNA, DNAP, DPM, Pharmacist, DNP
More Flexibility for the Way Medical Professionals Build Their Careers
Up to 100% Financing with No PMI
Qualified borrowers can finance up to $2 million with no down payment and no private mortgage insurance, helping preserve cash for investments, relocation, student debt, emergency reserves, or other priorities.
Buy Before Your New Job Begins
Eligible borrowers can qualify using a future employment contract and close up to 150 days before their employment start date—allowing you to get settled before your first day.
PowerBid Fully Underwritten Pre-Approval
Start with a no-cost pre-approval using a soft credit pull. For additional buying power, our PowerBid provides a fully underwritten pre-approval designed to strengthen your offer in competitive markets.
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
Guaranteed Rate Affinity, LLC is a subsidiary of Guaranteed Rate, Inc.; NMLS #1598647. For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply.