Nurse Practitioners, CRNAs & Physician Assistants Now Qualify for the Doctor Loan Program
I’m excited to share an update to the medical professional mortgage program: Nurse Practitioners (NP), Certified Registered Nurse Anesthetists (CRNA with DNAP or DNP), and Physician Assistants/Associates (PA) now qualify. This has been one of the more common questions I’ve fielded since the doctor loan program launched — I’ve had nurses reach out in the past hoping to use it, and I wasn’t able to help them qualify. That’s changed, and I’m glad to finally have an answer for them. [Read more…]
This post explains how lenders calculate post-closing reserve requirements under conventional (conforming) guidelines, and how FHA, VA, jumbo, and Non-QM programs differ. Reserve rules vary by lender overlay, so figures here reflect agency minimums — always confirm current requirements with your loan officer before making financial plans.
With affordability tight across King, Pierce, and Snohomish counties, I’m seeing more buyers team up with someone other than a spouse or partner — roommates who decide renting no longer pencils out, adult siblings splitting an investment property, or longtime friends going in together on a home. If that’s you, Washington’s vesting rules are the same ones that apply to any unmarried co-buyers, but the practical questions around exit strategy and unequal contributions tend to matter even more when there isn’t a relationship holding things together. 
