Doctor’s vs. Conventional Loan

A few differences between doctor’s vs. conventional loan doc loan low or no down payment (Compass requires 0% down, BOA requires 5% down) Doc loan no PMI (Private Mortgage Insurance) Doc loan takes future income up to 60 days prior

Taxes: Benjamin Was Right.

“In this world nothing can be said to be certain, except death and taxes.” — Benjamin Franklin   As I explore how best to convey the importance of tax-efficient savings to my peers, I did a little math on how

From Josh, America’s Coach in Physician Home Buying

[Josh is a good friend of mine who has a great deal of knowledge and expertise in physician home mortgage.  I’m happy to share a series of educational posts from him regarding this topic. So here you go, Josh’s debut


Q1. I applied to DRB with my current income of $0 with current debt, I got denied. Should I have put my future PGY1 salary on my application? A1. Yes, PGY 1 income. Q2. Refinancing vs. Fed payment with PSLF?

4 Flavors of Rainy Day Fund

I have $0 emergency fund liquid savings, with the exception of periods of time when I’m trying to purchase a home and need at minimum 5% down payment, I never lend the bank my $ at lower than inflation rate