Most lenders see scattered income. This one sees a nurse.
Standard mortgage underwriting counts one employer, one salary. Nursing doesn't work that way. This mortgage counts your trailing 12-month average across every source — PRN, OT, shift differentials, agency, multiple employers. 5% down. No PMI. 0.5% of purchase price back at closing.
Join the WaitlistThree pieces of underwriting that work for nurses.
Income counted — all of it.
Trailing 12-month average across every source and every employer. PRN, OT, shift differentials, agency, side income. Not just base salary, not just your primary employer.
Down payment
5% minimum. No PMI.
At closing
0.5% of purchase price back. A structural acknowledgment of the harder qualification path.
Loan officers trained in nursing pay structures. Not just 'nurse-friendly' language — actual underwriting that works for how nurses get paid.
Your equity can be your safety net.
Home equity line of credit, sized to your nursing income. Variable income counted for qualification.