Here's the problem with nurse pay and mortgages: your real income is base plus overtime plus night differential plus the per-diem shifts — but most banks only count the base, and suddenly you 'don't qualify' for the house you can clearly afford. We match nurses to lenders who count all of it. Travel nurse? The right lenders count your stipends too. Buying, refinancing, or pulling cash from equity — one simple form, and a real person prices it within a business day.
Purchase price, refi balance, or cash-out amount — ballpark is fine. Check your rate as of .
For a purchase, refinance, or equity cash
Buying? Use the home you're targeting and enter 0 for the balance.
Your best estimate is fine — it's confirmed later in the process.
This routes you to the right programs — there's no wrong answer.
Start typing and select your address — we verify it instantly so your options is accurate.
Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your options.
You've been matched. A licensed specialist will match it to the lenders who actually count nurse income — overtime, differentials, stipends and all — and reach out with real options.
Fit is based on the answers you provided and is not a loan approval. Loan options are subject to verification, credit approval, and underwriting.
Same nurse, same W-2s — two very different loan files.
No branch visits, no lunch-break phone trees, no explaining what a night differential is.
Sixty seconds: what you're doing (buying, refinancing, tapping equity), the home, and roughly what you need. No SSN, no documents.
~60 secondsYour scenario goes to lenders who count overtime, differentials, per-diem, and travel stipends — matched across 90+ lenders for the strongest fit, not one bank's base-pay-only rulebook.
1 business dayA licensed specialist walks you through the matches around your schedule — early, late, between shifts. Documents only start once you've chosen a direction.
You decideTwelve-hour shifts, overtime, night and weekend differentials, per-diem pickups — for many nurses that's 30-50% above base pay. Lenders who know nurse files count it with as little as 12 months of history. Banks that don't, don't.
Tax-free stipends make your taxable income look small — the classic travel-nurse trap. The right lenders count stipends and contract history as qualifying income. It takes knowing which lenders; that's the job.
Signed offer letter from a hospital? Several programs qualify you on it before your first shift — no two-year history required for a profession this stable.
Already own? HELOCs and cash-out options run through the same 90+ lender match — including options with no tax returns needed. One form covers buying, refinancing, and equity.
Same paycheck, very different answers.
| Here · 90+ lendersCOUNTS NURSE PAY | Typical bank | Online rate sites | |
|---|---|---|---|
| Overtime & differentials counted | Yes — with 12+ mo history | Often needs 24 mo, averaged down | Base pay assumed |
| Travel stipends counted | Yes — right lenders | Almost never | No |
| New grad with offer letter | Programs exist | Usually wait 2 years | Not their market |
| Per-diem / multiple W-2s | Understood, counted | Confuses underwriting | No |
| Who handles your file | One licensed specialist | Branch queue | Your number sold to 5+ callers |
| Works around shift schedules | Yes — text, email, evenings | Banker's hours | Endless calls |
| Hard pull to see options | No — soft inquiry only | Often | Varies |
Your options within one business day — full income counted, no SSN, no hard pull, no lunch-break phone trees.
See My Options Now