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We help simplify disability insurance for physicians without sacrificing service, honesty, or transparency. Striving to educate and prioritize our clients' interests, we offer objective comparisons from multiple insurers, considering discounts and exclusive GSI programs to secure the best possible value.
I have been a vetted Agent for physicians since 1990. I have GSI plans at NYU Langone Health, Albany Medical Center, MCW, Barnes-Jewish Hospital, University of Iowa, Mayo Clinic, URMC, University of Chicago and NY-Presbyterian Hospital. I also have exclusive programs for Members of the American Society of Plastic Surgeons (ASPS).
Kyle Claussen is the CEO of Resolve, a company dedicated to empowering physicians. Resolve gives physicians instant access to the tools needed to ensure they get the salary and contract terms they deserve. Resolve is the preferred resource for over 50 national and state medical societies and Kyle frequently speaks at national conferences about the state of physician employment. Kyle is married to a physician, is a father of three kids, and has a Bernadoodle named Murphy.
Use the code "PhysicianCents10" for 10% off!
Why Laurel Road for Doctors? DOCTORS HAVE BRIGHT FUTURES. WE THINK THAT'S WORTH INVESTING IN.
As a doctor, each stage of your career brings unique challenges. From High Yield Savings, to Checking, to Personal Loans, to Physician Mortgages, Laurel Road offers a range of banking solutions customized to your needs.
Alliant Credit Union has created an industry leading Medical Professional Loan Program available in all states except Maryland.
Terms:
No PMI. Closing available 90 days before employment starts. Minimum FICO score of 700 to qualify. Maximum debt to income ratio 45%. Medical Professionals may borrow 100% up to $1,250,000, 95% financing up to $1,500,000, and 90% financing up to $2,000,000. Most lenders require that you have completed training within the last 10 years, Alliant Credit Union has no such limit.
Conforming & Non-Conforming
Fixed & Adjustable Rate
30- & 15- Year Fixed, 5/6, 7/6, 10/6 ARMs
Professions:
MD, DO, DDS, DMD, Resident, Fellows, DVM, DPM
Strengths:
- Student Loan Debt omitted in qualifying ratios if deferred at least 12 months
- Ability to use income based repayment schedule if not deferred for 12 months
No limit on time elapsed since the completion of training
Financing available for single family, condos, and two family owner occupied residences
Warrantable and non-warrantable condos allowed
Available to US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, and Foreign Nationals
For other professionals we have Our First Time Homebuyers program with up to 100% financing available with no PMI.
Second Home Financing available up to 90% financing.
Construction Financing available up to 90% financing
Please contact the Mortgage Loan Officer listed above covering the state in which you are purchasing.
Disclaimer:
Alliant Credit Union NMLS#: 197185.
Rates, terms, and conditions are subject to change. The 5/6, 7/6 and 10/6 ARMs offer a fixed rate for the initial period of the loan and adjust to a 6 month ARM after that period. The interest rate and monthly payment may adjust bi-annually based on the 30 day average Secured Overnight Funding Rate (SOFR), plus a margin of 2.75 percentage points with a 5% life time cap.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
Mortgages available in all states except Maryland. Loan approval, interest rate, and downpayment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change and are subject to credit and collateral approval.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
Let's find the right treatment plan for your medical school debt. Find the right solution to manage your student loans.
Specializing in both student loans and personal loans. Use the link below to check your rate.
Protect your loved ones just like you protect your career. Resolve helps physicians negotiate and sign fair employment contracts, but they also assist with estate planning. Receive one-on-one support from an attorney who can help you establish wills, trusts, and more. Schedule a free initial conversation and get started on your customized estate plan.
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Conversations helping graduating medical students to attending physicians build a strong financial foundation
