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Hey, I’m Ryan.

I founded Financial Residency after seeing a major gap in the financial world. Physicians spend years becoming experts in medicine, yet very little of that training prepares them for the financial decisions that come with a medical career.

As the spouse of a physician, I’ve experienced that firsthand.

I’ve seen the years of training, the student debt, the long hours, the relatively low income during residency, and then the dramatic financial transition that happens when a physician becomes an attending.

I’ve also seen how overwhelming it can be to make major financial decisions at the same time you’re starting a new career, relocating to a new city, and trying to figure out where you want to live.

Buying a home is often one of the first major decisions in that transition.

That’s why we want physicians to understand their mortgage options before they start shopping for a house.

Why Physician Loans Are Worth Exploring

A physician mortgage isn’t automatically the right choice for everyone. But for many doctors, residents, fellows, and other eligible medical professionals, it’s an option worth understanding.

Depending on the lender and your individual circumstances, physician mortgage programs may offer different approaches to down payments, student loan debt, income history, and other qualification requirements.

That can be particularly valuable for physicians who are:

  • Still in residency or fellowship
  • Starting their first attending position
  • Relocating for a new job
  • Carrying significant medical school debt
  • Building their savings after years of training
  • Purchasing a higher-value home
  • Looking for an alternative to a traditional 20% down payment

The important thing is not simply getting approved for a mortgage.

It’s understanding your options so you can make a home purchase that fits into your larger financial plan.

Thinking About Buying a Home?

If you’re considering purchasing a property, start by finding out what physician mortgage options may be available based on your career and financial situation.

Answer a few quick questions and explore your options.

The Fastest Way To A Physician Mortgage

How Doctors Buy Their Dream Home!

You're a young doctor with limited savings and no work history. You have high levels of debt from your medical school loans, but you want to buy a house so you can stop paying rent and start building equity.

Getting a conventional mortgage seems impossible... But should it be?

You have high earning potential and amazing job security.

You shouldn't have to beg banks to lend you money...

They should be fighting for you.

That's where physician mortgage loans come in.

These programs are specifically designed for doctors by lenders who understand the unique financial challenges facing today's physicians.

Plus, they're superior to conventional mortgages in almost every way:

  • Higher loan amounts
  • Flexible down payment options (up to 100% financing!)
  • No PMI, saving you hundreds each month
  • Allows for higher debt-to-income ratios and future-dated employment contracts

To start, answer just a few questions about your career, where you're buying, and how much you want to borrow.

Our service will then show you the exact programs you're eligible for from vetted physician loan specialists who will guide you through every step of the process – obligation-free!

Why Financial Residency Exists

During graduate school, I realized that much of the financial industry was built around selling products rather than helping people understand the decisions they were making.

That experience led me to fee-only financial planning, where the focus is on putting the client’s interests first and providing advice without relying on product commissions.

It also reinforced something I’ve believed ever since:

People make better financial decisions when they understand their options.

That’s the philosophy behind Financial Residency.

We aren’t here to tell every physician that they should buy a house, use a physician mortgage, invest a certain way, or follow one particular financial strategy.

We’re here to help physicians understand the decisions they’re facing so they can make informed choices.

Financial Residency

Financial Residency is a physician-focused financial education platform and podcast reaching hundreds of thousands of physicians and healthcare professionals each month.

Our content covers the financial decisions that matter throughout a medical career, including physician mortgages, home buying, student loans, investing, taxes, retirement planning, insurance, real estate, and financial independence.

But homeownership is one area where we see physicians consistently have questions.

Can I buy during residency?

Will my student loans prevent me from qualifying?

How much should I put down?

Should I wait until I’m an attending?

What happens if I’m moving for a new job?

Is a physician loan actually better for me?

There isn’t one answer that applies to every physician.

That’s why we encourage you to understand your options before making one of the largest financial decisions of your life.

Ready to Explore Your Physician Mortgage Options?

Whether you’re a resident preparing for your first home purchase, a fellow getting ready to start an attending position, or an established physician looking for your next home, you may have financing options specifically designed around your profession.

Take a few minutes to tell us about your situation and see what physician loan options may be available to you.

The Fastest Way To A Physician Mortgage

How Doctors Buy Their Dream Home!

You're a young doctor with limited savings and no work history. You have high levels of debt from your medical school loans, but you want to buy a house so you can stop paying rent and start building equity.

Getting a conventional mortgage seems impossible... But should it be?

You have high earning potential and amazing job security.

You shouldn't have to beg banks to lend you money...

They should be fighting for you.

That's where physician mortgage loans come in.

These programs are specifically designed for doctors by lenders who understand the unique financial challenges facing today's physicians.

Plus, they're superior to conventional mortgages in almost every way:

  • Higher loan amounts
  • Flexible down payment options (up to 100% financing!)
  • No PMI, saving you hundreds each month
  • Allows for higher debt-to-income ratios and future-dated employment contracts

To start, answer just a few questions about your career, where you're buying, and how much you want to borrow.

Our service will then show you the exact programs you're eligible for from vetted physician loan specialists who will guide you through every step of the process – obligation-free!

If you’re interested in contacting the Financial Residency team for media appearances, interviews, or other inquiries, you can also visit our contact page.

Some of the most popular content and tools include:

At the end of 2020, we worked with an anonymous foundation to give $65,000 in scholarships to deserving medical students in the first ever Financial Residency scholarship.

Financial Residency also has a great community, including 8,000+ physicians in the Financial Residency Facebook group and more than 2,500 email subscribers, which features free training on how to get financially organized and find financial freedom.

Media Mentions

Speaking Engagements

  • New England Journal of Medicine. Ryan Inman, MBA.

Guest Appearances