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Home Loans for Residents and Fellows

Loans with speed and flexibility during a time of change.

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Medical residents and fellows have some of the highest mortgage decline rates in the entire country.

As a resident or fellow, you likely have high amounts of student loan debt (either in deferral or about to enter repayment) and are signing a new job contract with employment contingencies that do not align with traditional mortgage underwriting guidelines. This can cause a delayed closing and even a last-minute loan decline.

Our team at NEO Home Loans has spent the last decade serving thousands of residents and fellows in similar situations, and we understand the challenges you face. Our mortgage programs are designed to help you close on a home during your residency or fellowship with speed and flexibility.

You can trust to take care of you during your homebuying process and remove as many obstacles as possible so you can focus on your career.

West Virginia Resident Mortgages

Benefits of our West Virginia Physician mortgage programs

  • 100% financing up to $1M
  • 95% financing up to $2M
  • Finance 2-unit properties
  • Use gift funds for down payment
  • Close prior to employment start date
  • Flexible with student loan debt
  • Available to J-1 Visa holders
  • Save with no mortgage insurance

Applying for a mortgage as Residents and Fellows

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We truly appreciate the opportunity to work with you on such an important financial transaction in your life and look forward to exceeding your expectations!

By providing a phone number I agree to receive calls and texts to that number from NEO Home Loans that may be automatically created. Msg & Data Rates May Apply. Text STOP to opt out.