Nurses & Healthcare Home Loans

Yes. The program does not change its terms by profession. A qualifying nurse is treated the same as a qualifying physician on the same program. There is no separate nursing tier, no footnote, and no adjusted pricing grid.

Registered Nurses, Nurse Practitioners, Clinical Nurse Specialists and Certified Registered Nurse Anesthetists, along with Physician Assistants, Chiropractors and the physician and dental designations. A staff RN qualifies. Only one borrower on the loan needs to hold the credential.

Correct, there is none on this program. That is different from a lower mortgage insurance rate or a way to cancel it later. On FHA there usually is mortgage insurance and on most files it does not come off for the life of the loan. Over time that is the difference people feel most.

700, and it applies to every borrower on the loan, not only the nurse. That is higher than conventional or FHA asks for, and it is the one place this program is stricter. If you are not there yet, say so on the form. Getting you ready is a real conversation and it is usually a shorter road than people expect.

You can, and for some people it is the right answer. The catch is that the lowest cost 3% down conventional programs carry household income limits that many nurses, especially dual income households, are over. The version with no income limit is usually first time buyers only. And either way there is private mortgage insurance until you reach 20% equity.

It matters a great deal. This program lends up to $2,000,000, and up to $3,000,000 at a lower loan to value, and that number does not change by county. FHA and conventional both do. In Riverside County for 2026 the FHA limit is $690,000 and the conventional conforming limit is $832,750. In San Diego County both are higher. That gap is the whole reason this page exists.

Often yes. A fully executed offer letter or contract can be used with a start date up to 180 days after closing, and a contingency tied to receiving your license is explicitly allowed. You will need the contract showing title, start date and rate of pay, and reserves covering the months between closing and your first check. Send us the offer letter and we will tell you exactly where you stand.

It can, on a different and stricter documentation path. It needs a fully executed contract stating your rate and minimum expected work, a letter from the hospital or contracting entity confirming there are no unreimbursed business expenses, and a start date within 60 days of closing rather than 180. We look at your actual contract before promising anything, because the answer genuinely depends on what it says.

Yes, and we would rather you hear that here than three weeks in. There is a student loan exclusion on this program, but it is written for residents and fellows qualifying with residency income, and a working staff nurse does not get it. If no payment is reporting on your credit, a calculated payment is used instead of zero. Bring us the balances and we will show you what it actually does to the numbers.

Yes. Only one borrower needs to hold the qualifying credential and there is no requirement that the credentialed borrower be the primary wage earner. The 700 minimum credit does apply to both of you.

Yes, up to four units as your primary residence, so you can live in one and rent the others. A second home is limited to one unit. Investment property is not eligible on this program.

No. You can run your own numbers in the calculator, watch the videos, sit in the webinar, and get your questions answered first. You decide when you are ready for the next step, and nothing on this page is an approval or a commitment.