Tom Jarrett

Your first attending year is a transition year. The income changes fast. The lifestyle changes fast. The financial decisions feel bigger than ever. With over 25 years in the financial services industry, I specialize in helping graduating residents and physicians structure their first attending home purchase the right way — so year one doesn’t feel tight. Physician and professional loans are not traditional mortgages. They require a lender who understands contract-based income, deferred student loans, onboarding timelines, and the unique financial arc of medical professionals. I’ve structured hundreds of physician loans and understand how to align your home purchase with your long-term financial trajectory — not just your new salary.