Frequently asked questions

Yes. Physician and healthcare professional loan programs often allow you to close using a signed employment contract instead of pay stubs. The key is getting preapproved early and aligning the closing date with your start date and relocation plans.

Physician loan programs are mortgages designed for high-earning clinicians early in their careers: reduced or no down payment, no private mortgage insurance, and income based on a signed contract. Many lenders extend similar programs to dentists, PAs, NPs, and CRNAs — eligibility varies, so compare a few.

Call frequency is the deciding factor. Heavy in-house call generally means staying within a 20–25 minute reliable trip. Clinic-based and administrative roles can comfortably look to the suburbs where parking and space are easier.

Shopping before getting preapproved, underestimating condo fees and parking costs, ignoring pet or rental restrictions, and not factoring in overnight commute practicality. We address each of these upfront.

No. The guides, timelines, and checklists here are free. If you want hands-on help touring, negotiating, or coordinating a move, that is available too — but there is no obligation.

Yes. Sale of your current home can be handled locally, and introductions to vetted advisors in your destination market are available through national and international professional networks.

Begin lender conversations and neighborhood research in January or February. Aim to be under contract by April or May so you can close, move, and settle before your first day.

Brookline, Mission Hill, Jamaica Plain, and Chestnut Hill offer Green Line, bus, and bike access to Brigham and Women's, Beth Israel Deaconess, Dana-Farber, and Boston Children's. Each has a different mix of condos, parking, and lifestyle.

Yes, provided the condo association and building meet the lender's guidelines. Massachusetts lenders familiar with Boston condo associations will review the budget, insurance, and owner-occupancy ratio early in the process.

Get at least two written estimates and compare the rate, fees, and how each lender counts your student loans. The same borrower can see meaningfully different results depending on the lender's underwriting approach.

Dual-transaction timing matters. John structures the sequence so one closing does not strand the other, including bridge planning, temporary housing, and coordination with your destination-market advisor if the move is out of state.

No. Referrals are provided as a courtesy based on years of working relationships. You are free to use any lender, attorney, mover, or contractor you choose.