Homebuying that works around your shifts.You take care of everyone else.

How your healthcare pay is counted

Here's the simple version of how lenders look at the most common kinds of healthcare pay:

• Base hourly or salary pay counts from your current job, as long as you have steady work history.
• Overtime, shift differentials and bonuses usually need about two years of history. Sometimes a shorter history can work.
• PRN or per diem pay counts when you have a track record of steady hours.
• Travel and contract pay can often be used when you have a history in the field. Tax-free housing stipends are treated differently than your taxable pay.
• A second job can count when you've done it consistently.

Every situation is a little different, so the best thing you can do is send me your pay stubs. I'll show you what counts and what doesn't, before you start shopping.

New grads, new jobs and residency

Just finished school, starting residency, or moving to a new hospital? You still have options. Some loan programs can use a signed job offer, sometimes even before your first day, within certain time limits. Changing jobs within the same field usually isn't a problem either.

Tell me your start date and your offer details, and I'll tell you what's possible and when.

Student loans and buying a home

Your student loans won't stop you from buying a home, but they do count. Even if your loans are deferred or you're on an income-driven plan, they get included in some way, and the rules are different for each loan type. Sometimes picking the right loan type makes a real difference in what you qualify for.

Working toward Public Service Loan Forgiveness? Buying a home doesn't change that. Your plan payment still counts when you qualify, so bring your latest student loan statement.

Working around your schedule

You shouldn't have to take a day off just to talk about a mortgage. Here's how I keep things easy:

• Text me any time, and I'll reply when you're off
• Apply online and upload documents from your phone
• E-sign most documents
• Pick the time you want me to call, even after a shift
• I'll chase down paperwork with your employer when I can, so you don't have to

A lower payment to start

With my SmartStart program, you can lower your payment for the first year or two, or put 1% of your loan toward closing costs. That breathing room can help while you're also paying for the move, furniture and everything else.