Next month, thousands of medical students will experience one of the most pivotal moments of their careers: Match Day. While the excitement is palpable, the weeks following the "envelope opening" are often a whirlwind of licensing paperwork, graduation planning, and the frantic scramble to find a place to live in a brand-new city.
At the Physician Real Estate Network (PREN), we have a different suggestion: Don’t wait for the envelope to start the conversation. You don’t need to know your final destination to start gaining a competitive edge. Here is why speaking with PREN now, before the Match Day madness, puts you months ahead of the game.
1. Market Intel for Your Top Rank List
Most MS4 have a solid idea of their top three or four programs. By connecting with PREN now, we can introduce you to specialized agents in those specific markets today. Whether you end up in a high-density metro like Boston or a growing medical hub in the Midwest, having a local expert "on standby" means you’ll receive real-time market updates, neighborhood insights, and inventory trends long before your peers even start their search.
2. Mastering the "Physician Loan" Early
The Physician Mortgage Loan is your greatest tool, but it can be nuanced. These programs allow for:
- 0% Down Payments (keeping your cash liquid for the move).
- No Private Mortgage Insurance (PMI).
- Student Debt Flexibility: Many lenders exclude deferred student loans from your debt-to-income ratio.
By starting the conversation now, we can connect you with vetted lenders who specialize in doctor loans. You can get your "financial house" in order, understand your purchasing power, and have your pre-approval ready to go the moment you see your Match result.
3. Move-In Before You Clock In
Did you know many physician loans allow you to close on a home 60 to 90 days before your residency start date? When you work with PREN early, you’re not just looking for a house; you’re planning a seamless transition. While other residents are spending their final weeks of freedom touring apartments and signing leases, you could be unpacking in your own home, building equity from Day 1 of PGY-1.
No Matter Where You Go, We’re Already There
The beauty of the Physician Real Estate Network is our national reach. It doesn’t matter if you match at your #1 choice or a surprise #5, we have a network of vetted, "physician-first" real estate professionals across the country ready to hit the ground running for you.
Residency is a marathon. Start the housing leg of the race with a head start. By the time Match Day arrives, you won’t be asking "Where will I live?", you’ll be asking "When can I get the keys?"
Ready to get ahead of the game? Jump over to our intake form and let us help you prep for your move, no matter where the Match takes you!
