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Home Loans for Self-Employed Physicians

Loans for all types of income structures.

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If you are a self-employed physician with a 1099 or wRVU compensation plan, obtaining financing for a West Virginia home can be challenging. These complicated income structures can cause additional challenges when it comes to the underwriting of your home loan.

Our team at NEO Home Loans has considerable experience serving West Virginia self-employed physicians and their families, helping them navigate the nuances of complex income situations to create a flawless home loan experience.

Our West Virginia physician home loan programs have greater flexibility in approving newly self-employed or 1099 income borrowers. In some instances, we can qualify new 1099 borrowers based on their employment agreements or offer letters with no history whatsoever.

Helping you choose a mortgage program that aligns with your financial goals is our top priority. We will advise you and help you select the loan option that is best for you, while creating a simple stress-free process from application to closing.

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 Self-Employed Physicians

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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.