Refer a physician buyer. They can buy sooner than they think.

Doctors and dentists carry student debt and start new jobs without two years of history, so conventional lenders stall. Physician programs are built for exactly that. Send us your medical-professional buyers; you stay the agent, and we keep you in the loop.

By Mike Certo, NMLS #260555 — Updated June 2026

How the referral works

1. 1

   You send the buyer

   Use the form below or call Mike. We just need your client's name and number, plus their degree and career stage if you know them.

2. 2

   We confirm the right program

   Same-day outreach. We check the fit — eligible professional, 100% financing, or resident/fellow path — and run the numbers honestly.

3. 3

   You stay in the loop

   You stay the agent. We send a pre-approval your buyer can write offers with and keep you posted at each step. No cost, no obligation.

Questions agents ask

How do I refer a physician client?

Use the form on this page or call Mike Certo at (480) 296-6513. Send your name and your client's name and phone number. We reach out the same business day, confirm the right physician program, and keep you updated through closing.

Which professionals are eligible?

Physicians and dentists qualify, including MD, DO, DDS, DMD, PharmD, DVM, DPM, and CRNA with a DNAP or DNP. Residents, fellows, and interns holding those degrees qualify too. Eligibility is confirmed at file review.

Can residents and fellows qualify before they start?

Yes. Residents and fellows can close up to 150 days before their start date using a signed employment contract. Deferred or income-based student loan payments are counted at the actual payment, not a percentage of the balance.

What does it cost me to refer?

Nothing. Referring a client is free and there is no obligation. We will tell you honestly whether the physician program is the right fit for your client.