How to prevent physician burnout

relax_34Josh Mettle: Share with us some tips to managing your time productively and how to prevent burnout.

Ramsey Tate: Man, I hope that whoever figures out how to cure burnout will tell me. I mean it is absolutely epidemic among physicians. Just this morning actually before we were speaking, I was looking at a newsletter from one of the professional societies in my state that included in there an obituary for yet another physician in my specialty that’s committed suicide recently. It is – I think something that we all sort of know happens, but it’s really under-acknowledged for the morbidity that it causes physicians.
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Does Homeownership Make Sense Financially?

Beautiful family portrait smiling outside their new house“Does buying a home make sense for me?” This is a question we get from clients often, and it can be hard to answer because it really depends on each client’s unique situation and many ever changing factors.

Good news! Three recent studies shed some light on the issue. RealtyTrac recently released a report comparing home price appreciation to wage growth over the last two years. The study revealed that home price appreciation has outpaced wage growth in 76% of U.S. housing markets during that time period. By how much? Here is a graph showing their findings:

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The standard physician employment agreement is a mythical creature

In this clip, we are talking to Dennis Hursh, a physician focused attorney about employment agreements.

mythicalJosh Mettle: As I mentioned as we record this, we’re 3 days away or 2 days away from Match Day and I imagine that there are physician employment agreements being printed and sent out by administrators as fast as they can get them out. Today let’s just focus our conversation if we could on employment contracts and what our listeners really need to know.

I think many listeners will be surprised by one of your quotes, which was, “The standard physician employment agreement is a mythical creature.” I had to read that twice, but it surprised me, so tell us what you mean by that.

Dennis Hursh: Well, I honestly don’t know how many physician employment agreements I have reviewed. It’s in the hundreds since the ‘90s, but I can tell you precisely how many employers have refused to make any changes at all on the contract and that number is zero.

Josh Mettle: Wow!

Dennis Hursh: Yeah, now it’s just literally now, some make major changes. My best is I just had a doctor sit down with the CEO of a hospital and went point-by-point through the four-page letter and got every point but one.

Josh Mettle: Wow!

Dennis Hursh: I wish I could say that’s standard. That’s freakish, and that’s why it struck me. But I’ve literally never had a contract where they came back and said, “No, this is our standard contract. We will change nothing.” Some major health systems will only change a couple of points. A lot of smaller hospitals depending on the specialty will really make a lot of changes to those agreements.

Josh Mettle: That is absolutely shocking to me. I had no idea. We review a lot of employment contracts as well when we’re doing mortgage loans for our clients. What sticks out to me, Dennis, is when I start to ask them questions prior to them sending me the employment contract, how glib most physicians are in regards to the terms of that employment contract, in terms of even as simple things as, are you W-2 or you’re going to be 1099’d. Many don’t know the answer to that question, and it can have profound impact not only on taxes but one’s ability to qualify for a mortgage loan within a couple of years.

I find it interesting the lack of understanding of those contracts #1 and #2 the fact that you can provide an overview and knowledge about the contract but then negotiate so many of those points is very, very interesting.

Dennis Hursh: Yeah, I know it is. It’s shocking to me how many people sign what’s presented to them.

We’d love to talk with you about your real estate financing needs. Many of our physician loans offer low or zero down options. Please call Josh Mettle at 801-747-1210 or email at

How fast are homes selling and what does it mean to you?

Buy in Seller's MarketIf homes are selling quickly and there’s less than six months’ inventory of homes in your city in Utah that you are buying in, then there are not enough homes for sale to meet the demands of the pool of potential buyers. This results in buyers competing to buy the homes that are on the market, and this drives the prices up. How quickly are homes selling in the state you are buying a home in and what can you do to make the home buying process go more smoothly for you and your family? How can you be prepared to get the home you want?
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Important loan documents

From: “Alondra Martinez” <>
Subject: Your Initial eDisclosures


Dear Valued Client,

Thank you for choosing Citywide Home Loans as your mortgage lender. We are honored you would trust us with this important transaction.

Federal and state law require we provide you with certain disclosures, which may be accessed by clicking HERE . Utilizing our E-sign system will greatly expedite the processing of your loan. You are also free to print, sign, and return your documents.
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Pending Home Sales Up, Good Sign for Housing

doctor buys homeThe Pending Home Sales Index (PHSI) from the National Association of Realtors increased in February to the highest level since June of 2013. The PHSI is a leading indicator for the housing market, since it takes one to two months for a signed home contract to be turned into a sale. Pending sales show where the market is heading.

More signed contracts indicate more business for home builders and retailers. Pending home sales rose by 3.1% in February, making the index 12% higher than February 2014. The spring buying season is still ahead, and the rise in pending home sales looks good for the housing market. With Match week over and many resident physicians moving to their new homes, the busy season is upon us.

Pending Home Sales

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Physician employment agreement expert Dennis Hursh on our podcast

physician employment contractIn this episode, we are talking to Dennis Hursh, a physician focused attorney. In today’s interview, Dennis reveals why he tells his clients:

  • The standard physician employment agreement is a mythical creature
  • Don’t sign a letter of intent intending on changing the terms when you sign the employment contract
  • Don’t be afraid to negotiate – if they’ve made an offer to you, they are serious and usually will negotiate
  • The meek may inherit the earth, but they rarely obtain the best compensation packages

To listen to the podcast and read the transcript, click here.

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.

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