Mortgages, cash-out & HELOCs matched to how you're paid
Employed W-2 surgeon? A physician loan program may beat everything — and we'll say so. Private practice, locum 1099s, K-1 partnership, jumbo cash-out? That's where our specialists earn their keep.
What would you like to do?
Two minutes · No credit check · No obligation · No pushy calls
Your specialist shops your file across a 90+ lender network, including
Wholesale and TPO lending relationships available to brokers in the network. All names are trademarks of their respective owners; no endorsement or affiliation is implied.
Banks compete hard for employed physicians — low down, no PMI, gentle student-debt math — and if that's you, the honest move is routing you straight there. But the moment you own the practice, work locum on 1099s, or take K-1 partnership income, the same banks read your tax strategy as a pay cut. Specialist programs read deposits, agreements, and gross contracts instead.
Want to see the mechanics before you talk to anyone? LumoLend's jumbo loan requirements guide covers the thresholds, reserves, and documentation at surgeon-sized loan amounts, and their free DTI calculator shows what your counted income actually supports.
Employed W-2 with a program that beats us? We say so, in writing. The comparison costs you two minutes; steering you wrong would cost us the referral.
Equipment depreciation, staff, and retirement contributions shrink taxable income, not your approval — deposit and P&L programs read the practice's real cash flow.
1099 facility contracts qualify at ~90% of gross across facilities; surgical-group K-1s under two years work with the partnership agreement and draws.
Liquidity without liquidating
High-limit equity lines for the moments medicine gets capital-intensive — the surgical-group buy-in, the practice build-out, the ASC share — without selling positions or touching your first-mortgage rate.
Two minutes · No credit check · No obligation
"First honest conversation I'd had: they told me the hospital's physician program beat them for my primary home — then closed the beach house they were right about."
"Locum life across four states made me untouchable at retail banks. Gross 1099 qualifying made it a non-issue."
"The HELOC funded my ASC buy-in the month I was offered it. Selling positions would have cost me twice that in taxes and timing."
Two minutes · No credit check · No obligation
If you're employed W-2 — quite possibly, and we'll route you there when it wins. Private-practice, 1099, and K-1 surgeons usually need specialist documentation instead.
Yes — 1099 programs read facility contracts at roughly 90% of gross with 12–24 months of history; multiple facilities are normal.
Deposit-based and P&L programs qualify you on the practice's real cash flow — your tax strategy stays intact.
Yes — it's a common physician use: home-equity pricing beats liquidating investments, and the first mortgage stays untouched.
Yes — our sister site LumoLend has free, no-login calculators and 40+ plain-English guides. Price a scenario there first, then come back when you want a specialist on it.
Two minutes · No credit check · No obligation