Kristin Gee, Huntington — Best Physician Mortgage
Dr. Home Finance
TLDR
If you’re a physician relocating to Minnesota, homebuying can feel overwhelming as you balance career transitions, timelines, and financial decisions.
Physician mortgage loans are designed to support these transitions, allowing you to qualify with a contract and maintain flexibility during early career moves.
Key factors like clear contract language, proper documentation, and maintaining strong reserves play a critical role in keeping your loan process smooth.
Working with experienced physician mortgage lenders helps eliminate delays, reduce stress, and ensure your financing aligns with your timeline.
Connect with a physician mortgage specialist at Huntington Bank to guide your purchase.
Kristin Gee (NMLS 718444) has been a mortgage loan officer for 24 years and specializes in physician loans with Huntington Bank. Her approach is built around one idea: each physician has a different story, and the loan should be built to match it.
Who Kristin Gee works with
Kristin Gee serves physician borrowers in Minnesota, Tennessee, and Wisconsin — residents, fellows, and attendings, plus the doctor-adjacent cases she sees constantly: private-client finances, luxury purchases, construction, and self-employed complexity.
The Huntington Bank physician program
The Huntington Bank physician mortgage is designed around a doctor's real financial timeline:
Low-to-no down payment options
No private mortgage insurance (PMI)
Flexible treatment of student loans
Qualify on a signed employment contract before your start date
Individualized, not templated
Whether you just matched and are relocating, stepping into a first attending role, or upgrading as your career finds room to breathe, Kristin's goal is to make the mortgage feel guided, not heavy — built to your situation rather than a one-size product.
Why work with a specialist
A specialist already knows how underwriting handles student loans, future income, and contract-based pay — which prevents avoidable delays. For the fundamentals, see our guide to how physician mortgages work.
Get connected with Kristin Gee
Financing a home in Minnesota, Tennessee, and Wisconsin? Get matched and Dr. Home Finance will connect you.
Frequently Asked Questions
Which states does Kristin Gee serve?
Kristin Gee serves physician borrowers in Minnesota, Tennessee, and Wisconsin.
What does Kristin Gee specialize in?
Kristin specializes in physician loans, and in the doctor-adjacent scenarios that come up constantly — private-client finances, luxury purchases, construction, and self-employed complexity — individualizing each loan to the borrower's situation.
Can I buy with a signed contract before I start?
Often, yes. Physician programs can qualify eligible borrowers on a signed employment contract before the first paycheck — Kristin reviews the contract so the financing matches a relocation timeline.
Dr. Home Finance is an educational and lender-matching resource and is not a mortgage lender. Loan programs, rates, and terms vary by borrower, bank, and state and are subject to change. Nothing here is an offer to lend.
Get matched with a physician mortgage lender
