Healthcare Home Loans
Home loans for nurses, NPs, and PAs
Nursing income does not always fit neatly into a standard pay stub. I review how you are paid and compare the programs available for your home purchase in Maine or Florida.
All loans subject to credit and underwriting approval. Not all applicants will qualify. Rates, terms, and program availability are subject to change without notice. This page is for general education and is not an offer to lend or a commitment to make a loan. Travis Penny, NMLS ID #1649161, is a mortgage loan originator with Vision Mortgage, LLC, NMLS #1286953. Equal Housing Opportunity.
Can nurses use a healthcare professional mortgage?
Registered nurses, nurse practitioners, physician assistants, clinical nurse specialists, and chiropractors may qualify under a healthcare professional tier of a doctor loan program I offer through my wholesale lenders. That tier has its own guidelines, separate from the terms of the doctor loan program, and I confirm them for each file. I check current eligibility and compare it with conventional, FHA, and VA options for your file.
Healthcare tier
Qualifying healthcare professionals can ask about the expanded program's primary residence guidelines.
Other loan paths
Conventional, FHA, and VA options may fit when the healthcare tier does not.
Income documentation
Shift differentials, overtime, and contract income need a review of how they are documented.
The healthcare professional tier
Registered nurses, nurse practitioners, physician assistants, clinical nurse specialists, and chiropractors are included in the expanded tier. It has its own eligibility and loan guidelines. The terms listed on the physician loan page apply to the doctor loan program only. Nurses should not assume identical terms, and I confirm the healthcare tier guidelines for each file. See the physician loan guide for the broader doctor loan details.
Conventional, FHA, and VA alternatives
A conventional purchase may offer low down payment options for an eligible buyer. FHA is another option with its own credit and property guidelines. If you have qualifying military service, a VA loan may be worth comparing. I review the available options rather than assuming your profession determines the loan.
Shift differentials, overtime, and travel nursing
Pay stubs, employment verification, contracts, and income history can help show how variable earnings are received. Shift differentials and overtime may need an established history. Travel nursing income can include contract changes and separate reimbursements, so the documentation matters. I review the income before suggesting a program.
Talk through your options
Call or text me at (207) 615-7770, or email Travis@travis.mortgage. Guidelines can change, and I confirm the current terms for each file.
Frequently asked questions
Are there home loans for registered nurses?
Yes. Registered nurses may be eligible for a healthcare professional mortgage tier, and conventional, FHA, or VA loans may also fit depending on the file.
Do nurse practitioners and physician assistants qualify?
Nurse practitioners and physician assistants are included among the professions eligible for review under the expanded healthcare tier. Its guidelines differ from the doctor loan program.
Can shift differentials count as income?
They may count when documentation and history meet the selected program's guidelines. I review pay stubs and employment information for your file.
Can overtime count toward a nurse mortgage?
A program may consider documented overtime with an acceptable history. The requirements depend on the loan and your employment record.
How does travel nursing income work for a mortgage?
Travel assignments, employment contracts, income history, and reimbursements need to be reviewed separately. I compare programs based on your documented income.
What if I do not qualify for the healthcare tier?
Conventional, FHA, and VA loans may be alternatives depending on your credit, income, property, and eligibility.
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