Mortgage Solutions for Medical Professionals
Whether you’re in residency, fellowship, or private practice — we understand your unique financial journey and build lending strategies around your career trajectory.
Explore by specialty: MD Physician Mortgage | DO Physician Mortgage | Resident & Fellow Home Loan
We Understand Your Profession
Between demanding schedules, student loan debt, and irregular income during training — most lenders just don’t “get it.” But we do.
Mortgage Products That Work for You
Doctor Loan Programs
Tailored home loans with no PMI, flexible debt treatment, and low or no down payment for doctors. See our detailed guides: MD Physician Mortgage, DO Physician Mortgage, DPM Podiatrist Mortgage.
Conventional & Jumbo Loans
High-limit loans with competitive rates, ideal for physicians buying above standard conforming limits. Compare options using the Jumbo Loan Calculator or explore the MD Physician Mortgage for loans up to $2M with no PMI.
Private Practice or 1099 Options
Alternative financing using bank statements or assets, no tax returns needed for self-employed doctors. Our MD Physician Mortgage and DO Physician Mortgage guides cover self-employment documentation in detail. Also see the CRNA Mortgage guide for 1099 independent contractor qualification.
Our White-Glove Lending Process
- We work evenings & weekends to match your schedule
- Future contract income accepted
- Programs that minimize PMI or skip it entirely
- No-cost comparisons to find your best-fit program
- Loan officers who specialize in your career field
“My resident salary didn’t reflect my future income. Stairway looked at the whole picture and got me into my dream home — before I even started practicing.”
— Dr. Amara L., OB-GYN
FAQ's
Can I qualify if I just matched for residency?
Our Medical Resident & Fellow Home Loan Program covers this in detail — including how signed employment contracts qualify as income, the ARM strategy for training-stage purchases, and how $0 IDR student loan payments affect your DTI during training.
What if my student loans are in deferment?
See the student loan sections in our MD Physician Mortgage and Medical Resident & Fellow Home Loan guides for worked examples showing how $0 IDR payments can free up over $100,000 in additional purchasing power compared to conventional underwriting.
I’m self-employed in private practice — can I still get a good loan?
Our MD Physician Mortgage and DO Physician Mortgage guides cover self-employment documentation, manual underwriting for practice owners, and alternative programs like bank statement and P&L loans when tax deductions reduce your qualifying income.
100% Client Satisfaction
Real Comments, Real People
Hear From Some Past Clients of Our Founder
Easy and quick refinance with great rates and expert advice.
I recently refinanced my existing mortgage with Jim and his team, and I was so pleased with how easy and quick the whole process was. Jim and his team were very responsive to my questions, and I feel confident that I got the best rate and shaved 9 years off my mortgage. He is very knowledgeable and helped me determine the best option for myself and my family. Definitely recommend him.
Complex loan scenario handled with expertise and care.
The process went smoothly. Jim Blackburn is a lending saint. He knows the market well and cares about his clients tremendously. The team made it really easy to do business, uploading documents and getting forms signed. Our situation is a bit complex. Rather than turn us away for some added work, they dug in to get it done right. They like the complexity, whereas other lenders don’t want to roll up their sleeves. Highly recommend Jim Blackburn for new loans and refinances!
Closed in time for Thanksgiving! Jim and his team were amazing, and we got a much better deal than previous lender.
We closed our loan within 19 days. Just in time for Thanksgiving!! Jim and his team are amazing! We initially had gone with a different loan office and the interest rate and down payment was ridiculous. The owner of the company where my husband works referred us to Jim and we are very grateful for that. We had such an amazing experience with Jim and his team! Since our transaction, we’ve been referring Jim to anyone we know that are thinking of purchasing a house.
Secured financing despite market challenges and self-employment.
Run, don't walk to work with Jim and his team. Jim helped us get financing when it seemed like an impossible feat. It was hard enough to be managing a home purchase 2000 miles away, but add to that an extremely competitive market and being self-employed, and it seemed impossible until Jim's team got involved. Jim was not only responsive; he consistently went above and beyond by making clear recommendations, working his magic, and ensuring that financing wasn’t a barrier for buying our dream house in one of the most competitive markets in the country.
Smooth, fast, and hassle-free mortgage and refinance process.
Jim and his team are great to work with! We have used Jim twice with our home mortgage. Both times, the process was smooth and uneventful (which is what I wanted). He has kept in touch with us and contacted us when he felt it was the right time for us to refinance! I was amazed at our refinancing process – it took them about a little over two weeks to process all our information and close! I love the new online process of submitting all the information they require – it made it super easy for me to organize and gather all the documents.
Meet Jim Blackburn
Physician & Healthcare Lending Specialist | Founder, Stairway Mortgage
“You’ve invested in healing others. Now it’s our turn to help you build the life you’ve earned — with lending solutions that match your pace, potential, and profession.”
