Physician Group at Neo Home Loans

The Mortgage Second Opinion for Medical Professionals

Traditional Lending Was Built for Simple Income. Medical Careers Aren’t Always Simple.
Whether you’re W-2, 1099, self-employed, starting or buying into a practice, or have already been declined by another lender, your mortgage options may be better than the bank made them look.
Find out what you qualify for in minutes.

You built the income. But getting there may have meant years of school, delayed savings, significant student debt, changing jobs, starting a practice, or building income that doesn’t fit neatly onto one paystub or tax return. Traditional mortgage guidelines work well for borrowers who fit the traditional box. Medical careers don’t always fit that box. We specialize in looking beyond the obvious obstacles to understand the entire financial picture and find responsible financing options for medical professionals—especially when another lender couldn’t make the file work.

 

Loan Officers

Josh Mettle (NMLS #219996)

STATES:  AZ, CA, CO, FL, GA, NY, PA, TX, UT, WA
EMAIL:  [email protected]
PHONE:  855-260-9932

Terms

You Built the Income. Now Use Financing Built for the Path It Took to Get Here.

Qualifying medical professionals may have access to:

  • 100% Financing Up to $2 Million
  • Purchase an eligible primary residence without a down payment
  • 100% Financing on Eligible Owner-Occupied Duplexes
  • More flexibility if your home-buying strategy includes an owner-occupied two-unit property
  • 97% Financing on Eligible Single-Family Second Homes
  • Purchase a qualifying second home with as little as 3% down
  • 90% Financing Up to $3 Million
  • High-balance financing without requiring a traditional 20% down payment.

 

Professions

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

Strengths

Proof This Can Work

“NEO Home Loans was a gamechanger for us. Despite the challenges common for 1099 professionals, they navigated the process seamlessly and made success achievable.” – Dr. Lance ⭐⭐⭐⭐⭐

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

If Your Mortgage File Is Easy, Plenty of Banks Can Help You. If It Isn’t, This Is Where NEO Does Its Best Work. Maybe you recently became 1099. Maybe you’re self-employed or just started a practice. Maybe you bought into an existing practice and your tax returns suddenly look very different. Maybe your income includes K-1s, locums work, telemedicine, consulting, bonuses, or multiple revenue streams. Maybe your accountant has legitimately reduced your taxable income through business write-offs. Maybe student loans are making your debt-to-income ratio look worse than your actual financial position. Or maybe another bank has already looked at all of that and simply said: “No.” That doesn’t necessarily mean you can’t buy the home. It may mean you need a lender who knows how to understand a medical professional’s income instead of forcing it into a traditional underwriting box.

Newly 1099 or Self-Employed? Before You Wait Another Year, Get a Second Opinion. This is an area where NEO specializes. Some lenders see limited 1099 history, a newly established practice, complicated tax returns, K-1 income, or business write-offs and stop. We look deeper. We want to understand:

  • What do you actually earn?
  • What contracts or agreements support that income?
  • What changed in your career?
  • What does the practice generate?
  • What do your assets and reserves look like?
  • Is there another responsible way to structure the loan?

Your mortgage should reflect your financial reality—not just whether your income fits neatly into one box.

Already Been Declined? A Bank’s “No” Does Not Have to Be the Final Answer. Before you change your home-buying plans, let NEO take a second look. This is exactly the kind of borrower we want to talk to:

  • Recently transitioned from W-2 to 1099
  • Newly self-employed
  • Started or bought into a medical practice
  • Significant business write-offs
  • Multiple or nontraditional income streams
  • High student-loan debt
  • Need for low-down-payment jumbo financing
  • Credit or reserves that aren’t perfect
  • A property that doesn’t fit a lender’s standard box
  • Previously declined by another bank

We can’t promise every difficult file has a solution. But a complicated file deserves more than a quick “no.”

Your File May Be Complicated. The Next Step Isn’t.

  1. Tell Us Your Story Start with a quick conversation. Tell us what you’re trying to accomplish, how you earn your income, and what—if anything—another lender has already told you.
  2. Let Us Look for the Path Share your contract, employment information, tax returns, practice documents, or other relevant information. Our team reviews the whole picture.
  3. Get a Clear Answer Quickly If there’s a responsible financing path available, we’ll show you what it looks like and help you move forward.