Doctor loans near EvergreenHealth
Mortgage options for physicians, dentists and other medical professionals working at EvergreenHealth — for qualified borrowers.
Buying near work
Kirkland and the north Eastside, with a second campus in Monroe. Inventory nearby is mixed — condos and townhomes closer to Totem Lake, more single-family further out.
Medical schedules make commute distance a real constraint rather than a preference. That narrows the search early, and the housing that happens to sit near a given campus decides which parts of the financing conversation actually matter to you.
Campuses
- EvergreenHealth Kirkland
- EvergreenHealth Monroe
Seattle Mortgage Pros is not affiliated with, endorsed by, or sponsored by EvergreenHealth.
Neighborhoods near these campuses
Areas within a reasonable commute, as a starting point for a search — not a recommendation, and not a statement about where anyone lives:
- Kirkland
- Juanita
- Totem Lake
- Redmond
- Bothell
- Woodinville
- Monroe
What the doctor loan program does
A physician loan is built around the way medical careers actually start: student debt that would sink a conventional debt-to-income calculation, a signed contract instead of pay stubs, and little time to save a large down payment while training.
The specifics — how much you can finance, how student loans are treated, and when future income can be used — are set out on the pages below rather than repeated here.
How much you can financeStudent loans and DTIResidents and fellows
Condos near these campuses
Much of the housing close to these campuses is condo, and condo lending has a step no other property type has: the lender reviews the building as well as the borrower. A project can fail those standards — owner-occupancy ratios, reserves, litigation, how much of it one entity owns — while your own file is flawless.
That is a non-warrantable condo, and most lenders decline them outright. It is worth checking a building before you write an offer rather than after one is accepted, which is the expensive moment to find out.
Check what may be available
A few questions about your situation — no income, no Social Security number, no credit pull, and no approval or denial at the end.
Takes about 2 minutes.
What best describes you?
Working at EvergreenHealth?
Tell us where you are in your career and what you're looking at. No application, no credit pull, and no obligation.
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