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.

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.

We help medical professionals who are:

In residency or fellowship with limited income

Burdened by student loans

Self-employed with private practice

Using bonuses or future contracts to qualify

Seeking 0–5% down with no PMI

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.

Conventional & Jumbo Loans

High-limit loans with competitive rates, ideal for physicians buying above standard conforming limits.

Private Practice or 1099 Options

Alternative financing using bank statements or assets, no tax returns needed for self-employed doctors.

Our White-Glove Lending Process

“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

Yes — many of our doctor loan programs allow for offer letters or match contracts to be used as income.

No problem. We work with programs that either exclude or reduce the impact of your student loans.

Absolutely. We offer no-tax-return options, bank statement loans, and smart qualification strategies.

100% Client Satisfaction

Real Comments, Real People

Hear From Some Past Clients of Our Founder

Alexis Kulick - via Faceook Director of Digital Campaign at UBS - CALIFORNIA

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.

Julian Einfrank - via Facebook Sr. Wealth Advisor Clifton Larson Allen - ILLINOIS

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!

Elizabeth Torres - via Facebook Senior Branch Mgr. at JP Morgan Chase - ILLINOIS

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.

David Livermore - via Google Founder Cultural Intelligence - CALIFORNIA

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.

Christina Curva Carrasco - via Facebook Owner at Curated Interiors - WASHINGTON DC

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.”

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