CRNA Mortgage: Up to 100% Financing for Nurse Anesthetists



Key Takeaways:

  • A CRNA mortgage requires a lower down payment than a conventional home loan, usually ranging from 0% to 10% down.
  • This special home financing opportunity favors CRNAs who often carry large student debt balances by excluding deferred student loans or using a modified payment to qualify.
  • Nurse anesthetists can use future income to secure a mortgage by using a new employment contract with a start date within 60 to 90 days of closing.

Certified Registered Nurse Anesthetists (CRNAs) earn on average $202,470, according to the Bureau of Labor Statistics. So, you’d assume their CRNA salary alone would make them great candidates for a home loan. Unfortunately, that’s not always the case due to equally large student debt balances and the additional years spent earning their degree versus saving up for a large down payment.

The good news is that some banks understand your career trajectory as a CRNA. Therefore, they have special home financing in place to address common barriers for nurse anesthetists and other healthcare professionals.

Read on to learn about how a CRNA mortgage can benefit nurse anesthetists and where to find these excluding home financing programs.

What is a CRNA mortgage loan?

A nurse anesthetist mortgage allows CRNAs to secure a mortgage with the least amount of cash possible. Often referred to as a physician mortgage or a medical professional mortgage, these home loan programs require as little as 0% to 10% down.

Unlike with a conventional loan, you won’t need to carry private mortgage insurance (PMI) as a condition of your low down payment. You also won’t be bound by conventional loan limits, which generally max out at $647,200 for most parts of the country.

Additionally, underwriting criteria for a CRNA mortgage is more lenient than a conventional mortgage. Here’s what we mean:

  • In many cases, your student loan debt could be excluded entirely from your debt-to-income ratio (DTI). Alternatively, a modified payment might be used, such as your actual income-driven repayment monthly payments or a percentage of your loan balance.
  • CRNA mortgage programs will generally accept an employment contract as proof of income, allowing you to close on a home up to 90 days before starting your new position.
  • If you happen to be a 1099 independent contractor, some banks require fewer years of tax returns.

If you’ve ever felt like your CRNA student debt was holding you back from buying a home, just know that you have options to get you into your dream home sooner.

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