Match Day is over. We can help get you into your new home.

physician home loans at citywideMatch Day was a week ago. If you intend to buy a home in your new city, we can help! We offer physician loans and conventional loans in 31 states and our loan officers are experts on all the complicated issues doctors face when getting approved to buy a home – even when moving across the country. We have many satisfied clients who are glad they called us:

“From my very first email/phone call to Drake, he was professional and courteous. He understood and had compassion for the ‘time crunch’ we were under and seamlessly made our loan happen! He was always available by phone or email and we could not be happier with the service we received from him directly and all of his colleagues at his firm. We will most definitely recommend Drake to others!”
Dr. Kristophe Karami, Neurosurgeon, Kaiser Permanente OR

“My husband was a recent medical school graduate beginning a residency in a new city, and we were facing a pretty difficult situation.  We needed to find and move into a house before the lease was up on our apartment. It was a complicated loan process: to begin the application in one state and buy a home in a another, all before officially beginning the new job.  But start to finish, CHL really helped put a lot of my fears to rest.  There were dozens of calls, and endless snags and loopholes to navigate, but Evelyn worked tirelessly to figure it all out.  Any time I had a question or concern she happily addressed it.  By the end of the loan process, I felt she had really become an ally and advocate for us.  She doesn’t just make you think she cares; you know she cares!  Thank you a thousand times over, Evelyn for getting us to our new home!”
Kellie Redman and Dr. Joseph Redman, Resident Physician, Baylor College of Medicine

“We lived clear across the United States from where we were building our home and the team made the entire thing hassle free doing everything via email. This was our first home purchase and they were able to keep our minds at ease and answer all of our questions.”
Jason Pursley Parker and Dr. Ryon Parker, Southern Nevada Internal Medicine

We’d love to add you to our list of happy clients. Please call Josh Mettle at 801-747-1210 or send an email to to get started. We also offer the NHF grant that will give you up to 5% of the cost of the home to apply to the down payment and closing costs in AL, AK, CA, CO, CT, GA, HI, ID, IA, KS, KY, LA, MS, MO, MT, NM, NC, ND, OR, PA, SD, UT, WA, WV, WI  and WY. Contact us to see if you qualify for the grant if you are moving to any of the states listed!

Are you making these CV mistakes?

Dr Ramsey Tate, board certified pediatrician in pediatric emergency medicine and creator of talks to us about CVs and her post “If your CV is pink, you’re your own worst enemy”.

unicorn800_30Josh Mettle:  Along those lines, you wrote a great post, If Your CV is Pink, You’re Your Own Worst Enemy. Just as a side note, the unicorn and cupcake collage was priceless. I love that. Would you share your thoughts on the most important aspects on a great CV and why to stay away from the unicorn and cupcakes?

Ramsey Tate: I love that unicorn.

Josh Mettle: That’s great.

Ramsey Tate: I think that unicorn is now going to be my mascot for the imaginary or fictitious emergency department that I created for some of my examples, the Sunshine and Unicorns Emergency Department.

Josh Mettle: It was really good.

Ramsey Tate: That goes by the acronym SUED. But you know I think to answer your answer that having a great CV is a lot like having a great interview strategy. It’s all about focusing on your audience. No one should have a single CV. CVs should be living documents that are constantly updated to reflect your own achievements and record of excellence. But each one should be adapted to a particular audience.

A good CV, just like good interviews, highlights the specific skills and achievements that fill the needs of the potential employers looking at it. Bad CVs are made up of all the things you think are most interesting about yourself. Your CV is not your identity, and I think that’s hard for a lot of us, especially those of us who spend our entire lives in higher education.

We get sort of caught up with our personal identity being reflected in the CV and wanting to have our CV paint a particular portrait of how we want others to see us, but that’s not the role of the CV. A CV is to give potential employers easily digestible and easily accessible information about the questions that they have at the forefront of their minds.

Josh Mettle: Really what you’re saying is that when you say have different versions of your CV, you’re going back to steps 1, 2, and 3 of your interview process, and you’re focusing on the needs of a potential program doing your homework, sending emails, finding out what the challenges or needs of the program are. Then you’re actually moving that CV towards fulfilling those needs in some way or another.

Ramsey Tate: Exactly!

Top 5 reasons to get an NHF 5% down payment grant

Businessman giving money on dark backgroundWhat if you could buy a home without needing to save for a down payment? What if you could get 5% of the purchase price of your home to use for the down and use any remaining funds for closing costs? With the NHF 5% grant you can! Here are the top 5 reasons you should get an NHF 5% down payment grant:

Reason #1
This grant never has to be paid back! The NHF Platinum 5% grant down payment assistance program gives you a 5% grant that can be used as your down payment and for closing costs. You don’t have to pay this money back.

Reason #2
The credit score needed is a minimum middle credit score of 640.

Reason #3money_falling_5
You don’t need to be a first time homebuyer!

Reason #4
No homebuyer education class is required.

Reason #5
Available in conjunction with our physician, FHA, VA and USDA mortgages.

To get more information please call Josh Mettle at 801-747-1210 or email at You can also click here to fill out our client questionnaire and get one step closer to owning your home.

Salt Lake City and Utah now the gold standard!

Morning skyline of Salk Lake City Utah
In a Forbes article published today, Marian Salzman says:

Utah is looking like the new benchmark for business and quality of life. A rash of new studies and rankings is proving that the Beehive State, and especially Salt Lake City, is increasingly the place to be.

She goes on to state:

In terms of job growth and economic performance, Utah ranked as the overall best performing state for the second year in a row, according to the U.S. Chamber of Commerce Foundation’s annual Enterprising States study.

We know we love living here! Not only is Salt Lake City right in the heart of gorgeous mountains and surrounded by great skiing and hiking, we also have much going on in terms of business growth:
Keep reading

3 Tips for Young Physicians To Unlock Their First Home Purchase

Young physician buys homeJosh Mettle recently co-authored an article with Dave Denniston, CFA on With Match Day approaching and many young physician families thinking about moving to their new residencies, we thought this was a good time to share 3 Money-Saving Tips for Young Physicians To Unlock Their First Home Purchase.

It’s almost that time of the year again!

The snow is almost done falling. It’s melting into big puddles for our kids to stomp in. The birds and bees are coming back out. The trees are budding. Spring is upon us.

As many residents and fellows are inking their first contract, they are inevitably dreaming of their first home. Fleeting dreams of the white picket fence, birds chirping, and finally getting out of that crowded apartment dance like sugar plum fairies in many a physician’s head.

Yet many physicians struggle with the reality of actually buying a home once they have finally transitioned to practice.

They’ve heard the horror stories of being turned down by the bank at the last second and don’t want to deal with the stress of this transition. They have enough other headaches to worry about!

Here are 3 tips to act as a preventive prescription to block this malady before you ever transition to practice.

Keep reading

Is it time to refinance your student loans?

Here’s some good news if high interest rate student loans are eating into your income. DRB has expanded who they offer student loan refinancing to include physicians in residency and fellowship. MDs and DOs have saved as much as $25,000 over the life of the loan and rates start at1.92% variable and 3.5% fixed.

  • Any resident, fellow (or full-time physician) is eligible to apply
  • There are no application fees, no origination fees, no prepayment fees with this loan
  • 100% of Federal and Private loans are eligible from undergrad or med school (min amount is $5K, no maximum amount)
  • The application is all online

As a special offer to our readers, DRB Student Loan is offering a $300 bonus to anyone who closes their resident or fellowship student loan refi by clicking on the picture below.

DRB Student Loan Refinance - Physician Loan GroupFor more info, click here to go the DRB site.

If you have questions about how student loan debt may impact your ability to qualify for a mortgage, call Josh Mettle at 801-747-1210 or write at We are experts on advising you about how to structure your student loan debts so that you can buy a home.

Ramsey Tate, MD’s 3 step approach to interviewing for residency

Logo smOn a recent episode of our podcast Physician Financial Success, we had Dr. Ramsey Tate on to talk about how to achieve balance as a doctor. Dr. Tate is a board certified pediatrician currently wrapping up a fellowship in pediatric emergency medicine. She’s a blogger and author at, her website dedicated to helping other women build successful, rewarding careers in academic medicine. In this short video, Dr. Tate talks about her 3 step approach to successfully interviewing for residency or a fellowship. Her great tips can easily apply to doing well in any interview situation.

Josh Mettle: You had some blog posts about that, so let’s just start about one of the posts that I read that talked about how to master the interview process for residency and fellowship. Can you give us the inside scoop there?

Ramsey Tate: Sure. We all have pre-interview jitters. We show up for our interviews for whatever your careers is, so for us the residency and fellowship, and we’re worried about whether we’re dressed right. We’ve sat up all night wondering if we were supposed to bring a fancy folder to carry around a copy of our CV. In residency and fellowship, interviews happen in groups, so most of the time we’re surrounded by our peers who also are jittery and nervous.

Keep reading

Student loan refinance rates drop

Student Loan DebtGreat post on again, about refinancing your student loan debt. Since so many of our readers have high student loan debt – up to half a million in some cases, we thought this is very valuable information to pass on:

I was reminded once more this week while speaking to a group of physicians that there are many, many graduating residents out there who owe $300K, $400K, or even more in high-interest student loans. If you’re not going to be going for Public Service Loan Forgiveness, then it would behoove you to refinance those loans and then live like a resident until they’re paid off.
Keep reading

Ramsey Tate, MD, on Physician Financial Success podcast

LogoPlease join us as Dr Ramsey Tate, board certified pediatrician in pediatric emergency medicine and creator of talks to us about:

  • How to master interviews and make yourself the person they can’t afford not to have in their program
  • Mistakes many make when creating a CV and the strategies to maximize your CV effectiveness
  • Why knowing the amount you owe in student loans is crucial to your financial goals
  • Her battle with burnout and the method she developed to bulletproof herself from it and how you can do it, too

Josh Mettle: Hello and welcome to the Physician Financial Success Podcast. My name is Josh Mettle, and this is the podcast dedicated to advising physicians how to avoid financial landmines. Today, we’ll be talking with Dr. Ramsey Tate. Dr. Tate is a board certified pediatrician currently wrapping up a fellowship in pediatric emergency medicine. She’s a blogger and author at, her website dedicated to helping other women build successful, rewarding careers in academic medicine.

Frustrated by the lack of financial literacy among physicians and alarming rates of burnout in her colleagues, Ramsey started CallMeDr website to share finance, career, and productivity tips for young academic physicians. She believes that better balance is possible for physicians and we are happy to welcome her to the show and hear all about that. With that, Ramsey, good morning and how are you today?

Ramsey Tate: Good morning, Josh. It’s such a pleasure to get to speak to you.

Josh Mettle: Likewise, I’m excited. I loved your website, and I love the concept of a residency, fellowship, and balance, so I’m excited to jump into that.

Keep reading

Steven Podnos on Common Asset Protection Mistakes Made by Docs

SPSteven Podnos MD, MBA, CFP(R), principal of Wealth Care LLC, fee only investment advisor and physician, talks about some common asset protection mistakes that doctors make.

Josh Mettle: I’ve heard hundreds of stories about good landlords and business owners who lost their assets due to one insanely frivolous lawsuit or another, so I’ve been scared to death by the concept of frivolous lawsuits and losing your assets.
I think that physicians particularly need to have a higher understanding of those risks and take steps to protect their assets. I wonder if you’d walk us through your article titled, Are you Protected: Six Common Mistakes Made by Physicians.

Steven Podnos: Sure, Josh. As you’ve stated, the physicians should have in general a very high attention paid to asset protection issues, obviously primarily due to malpractice risk. It’s a somewhat unique risk in a unique profession that is a severe problem in many states, especially in Florida for instance where I practiced.

Just about every physician I’ve ever met practicing in Florida has had at least one lawsuit. It’s an incredibly common problem and asset protection is key. But there are other reasons to worry about asset protection. With anybody that has any substantial asset or future income, so I find that almost all of the families I work with it’s a significant issue, whether or not it’s appreciated. I do see a lot of mistakes happening in the planning process and then follow-up made that I think need to be paid attention to and getting good and impartial advice is crucial.
Some of the things I went over the article was I see two big mistakes in families with asset protection issues. One is that assets are titled in a way that expose them to creditors. The most common way you see this as an accident is just owning something by yourself rather than jointly in many states where a certain type of joint ownership gives you really good asset protection against individual creditors.

The classic example would be a physician wife and a non-physician husband. Physician wife puts all the assets in the husband’s name to keep them away from malpractice exposure, but now you have all these solely held assets held by the non-physician husband exposed to his risk, to their joint risk, and a tongue-in-cheek, to divorce, everything is owned by the other party. Instead, they really would have been fine for the most part just owning it together or in a structure than having it in a single person’s name.

Along those lines, the same lines, one of the biggest mistakes I see is people think that their revocable living trust offers them asset protection. I will commonly see families go, “Oh, well our stuff is held in trust, so it’s protected.”

Well a living trust, which is pretty much what everybody is talking about is revocable, meaning you can put things in and take things out, and so can a judge. It offers you zero asset protection. I find families are consistently surprised by that but it’s in fact the truth. Given a lot of the changes in the state tax law in the last few years and such, there is very little reason for high-risk people and families to own things in living trusts until they’re very advanced in age in my opinion. I can’t practice law, but in terms of the balance between protecting assets and estate planning, that’s my opinion.

People also think corporations protect their assets, so a physician will say, “Well, I’m incorporated in my practice, so I’ve got asset protection.” Well, that really protects your assets zero. It is protecting you from liability of the other shareholders perhaps.

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