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Notes on buying a home as a physician
Short, specific answers to what residents, fellows and new attendings ask me every week.
Stop Cryin', Call Ryan. Ryan Mandley · NMLS #1181993
November 4, 2026
Can you buy a house during residency?
How residents qualify on training income, why student loans count less now than later, and when to wait.
November 4, 2026
Closing on a house before your attending job starts
The 150-day contract rule, what your offer letter must include, and the reserve requirement nobody warns you about.
Find out what you actually qualify for.
One conversation, no credit pull. If a physician loan is not your best option I will tell you that too — and then tell you what is.