Who this may help
These pages are educational and designed to help you understand potential paths before scheduling a personalized review.
Who this is for
- Doctors or professionals reviewing high-LTV options where available
- Homeowners considering reverse mortgage education
- Borrowers needing jumbo or non-conforming solutions
- Clients with assets, bonus, RSU, or complex income
Common options
- Doctor loans
- 97–100% financing where available
- No mortgage insurance where available
- Reverse mortgage
- Jumbo
- Non-QM
- Non-conforming
- Asset depletion
- RSU income
- Bonus income
Next step
Gather income, property, credit, and objective details. Then request a scenario review so Michael can help identify which available path may fit.
Review My ScenarioBenefits of a second look
Review specialized programs beyond basic conventional loans
A practical review focused on your objective and documentation.
Understand how unique income or asset scenarios may be evaluated
A practical review focused on your objective and documentation.
Compare jumbo, Non-QM, and specialty options
A practical review focused on your objective and documentation.
Identify documentation needs early
A practical review focused on your objective and documentation.
Common questions
What are doctor loans?
Doctor loan programs may offer specialized financing for eligible medical professionals, subject to program availability and approval.
What is a reverse mortgage?
A reverse mortgage is a specialized loan for eligible homeowners, typically age-based, that requires detailed education and review.
What is Non-QM?
Non-QM refers to loan options outside standard qualified mortgage guidelines, often used for complex income or property scenarios.
Related loan programs
Request a scenario review.
Share a few details and request a call. Do not include sensitive personal information beyond what is requested.
Michael Ciglar
NMLS #240274
925-998-5478
MCiglar@loandepot.com