Run your own numbers.
Payment, program fit and the mortgage insurance you avoid — all of it before you talk to anybody. You set the rate; this site does not publish them.
Stop Cryin', Call Ryan. Ryan Mandley · NMLS #1181993
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Estimates only, for illustration. This is not a quote, a pre-approval, or a commitment to lend. Figures exclude closing costs and any prepaid items. Program parameters shown reflect the current investor matrix and are subject to change without notice. All loans subject to credit approval. Equal Housing Opportunity.
Numbers on a screen are not an approval.
This tool uses the same tiers I underwrite against, so it will not tell you something wildly different from what I will. But it does not know your student loans, your contract start date, or the HOA on the condo you are looking at — and those are what actually decide the file.
Bring two documents
Your employment contract or offer letter, and your student loan servicer statement. Those two answer roughly eighty percent of what determines your number. No credit pull to have the conversation.
Check my math
Send me what the calculator told you and I will tell you what is actually achievable — including whether a conventional loan beats it.
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.