Talk to the Lender
Program and regulatory figures verified October 9, 2026. Details change; confirm your scenario with us.
Two numbers decide a Missouri physician file: what the contract supports, and what the student debt does to the ratio.
How to reach us
Call or text Mike at (480) 296-6513. Email mcerto@cfmtg.com. You reach the person who originates the loan.
★ What makes a file answerable
- Your signed employment contract: start date and compensation over at least 12 months.
- Your student loan position: servicer, balances, and whether deferred, income-driven or standard.
- Your target price range and metro.
- Whether a loan repayment programme is realistically in play, and which.
★★ One thing to check before you plan anything around SLRP
Two facts most coverage omits:
- The state publishes no award amount and says eligible professions are "to be determined." The detail.
- Hospitalists and emergency medicine physicians are excluded by name, as are inpatient facilities and prisons, and a current NHSC obligation disqualifies. The exclusions.
★ If either applies to you, look at HPLRP instead, same office, published figures up to $65,000. The table.
We are not part of either application and cannot submit or advise on one. We flag this because a physician planning a purchase around a withdrawn figure is making a decision on bad information.
★ One thing we will say that a brochure would not
In Missouri, a physician loan is often not the right product.
All 115 counties sit at the $832,750 limit and the dearest metro is $327,320, so the loan-size argument does not exist here. If you have been in post two years, your loans are modest and you have 20% down, a conventional loan is probably better and we will say so. The comparison.
What we will not quote over email
Rates or payment figures. They move, they depend on the file, and a number sent on Tuesday is wrong by Friday.
★ And what is outside our lane
We are the lender. DHSS administers both programmes, sets the amounts, decides eligibility and determines practice-site designations. We give no tax advice on an award's treatment, and no legal advice on the constitutional provision we quote.
Useful pages first
- Why the $50,000 figure is not current.
- The programme that pays up to $65,000.
- Every Missouri metro, measured.
- The whole thing in one read.
Mike Certo, NMLS #260555. Cornerstone First Mortgage, NMLS #173855. Equal Housing Lender. This is not a commitment to lend. Loans are subject to borrower, property and program qualification.
Frequently asked questions
How do I get a physician loan in Missouri?
Contact the lender with four things: your signed employment contract showing a start date and compensation over at least twelve months, your student loan position including servicer and status, your target price range and metro, and whether a loan repayment programme is realistically in play. Mike Certo, NMLS #260555, at Cornerstone First Mortgage NMLS #173855 can be reached at (480) 296-6513 or mcerto@cfmtg.com.Should I check anything before planning around Missouri SLRP?
Two things. The state currently publishes no award amount and says eligible professions are to be determined, and the programme excludes hospitalists, emergency medicine physicians, positions in inpatient facilities and prisons by name, with a current National Health Service Corps obligation also disqualifying. If either applies, the Health Professional Loan Repayment Program publishes current figures up to $65,000.Will you tell me if a physician loan is the wrong product for me?
Yes. All 115 Missouri counties sit at the $832,750 conforming limit and the most expensive metro is $327,320, so the loan-size argument does not exist here. An established physician with modest student debt and 20 percent down is usually better served by a conventional loan.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about physician mortgage financing, not a loan commitment and not legal, tax or financial advice. The Missouri Student Loan Repayment Program and the Health Professional Loan Repayment Program are administered by the Missouri Department of Health and Senior Services, not by Cornerstone; their terms, award amounts, eligible professions and application cycles are set by DHSS and change. Figures here carry the date we verified them against the programmes' own published pages. Physician-loan program terms, eligible degrees and overlays are set by the lender and change. All loans are subject to borrower, property and program qualification.