Talk to Someone Who Originates These Loans
Program and regulatory figures verified October 6, 2026. Details change; confirm your scenario with us.
Two numbers decide a Pennsylvania physician purchase, and both are knowable in one conversation.
How to reach us
Call or text Mike at (480) 296-6513. Email mcerto@cfmtg.com. You reach someone who originates these loans rather than a call centre.
What we will work out for you
- Your cash at closing, with the realty transfer tax in it. Philadelphia is 4.578%; elsewhere we will help you get the local rate.
- How your student debt is counted on your documented payment rather than 1% of the balance.
- Whether you can close before your start date, up to 150 days out, and whether your contract's contingencies allow it.
- Whether the state loan repayment program reaches you at all — six specialties, outpatient approved sites only. We will tell you if the answer is no.
- Whether anything you have signed breaks that eligibility, such as a recruitment bonus tied to a site.
- Physician loan against conventional, priced on your file.
★ Call before you refinance anything
If you are thinking about consolidating or refinancing student loans, talk to us first. Doing it the wrong way permanently forfeits up to $80,000 of Pennsylvania loan repayment, and the physician loan usually removes the reason you were considering it. Why.
What is useful to have ready
Nothing formal for a first conversation. Your target city and price, your degree and specialty, roughly what your student loan balance and payment look like, and your start date if you have one.
If you have a signed employment contract, send it. It answers the pre-start timing question and the recruitment-bonus question at the same time.
Useful pages first
- Philadelphia's 4.578% transfer tax — the number to plan around.
- The PA loan repayment program and who qualifies.
- The refinance trap.
- The full guide.
Mike Certo, NMLS #260555. Cornerstone First Mortgage, NMLS #173855. Equal Housing Lender. This is not a commitment to lend. Loans are subject to buyer and property qualification.
Frequently asked questions
How do I get a physician loan in Pennsylvania?
Contact a lender who originates them and bring your employment contract and student loan servicer documentation. Mike Certo, NMLS #260555, at Cornerstone First Mortgage NMLS #173855 originates physician loans in Pennsylvania and can be reached at (480) 296-6513 or mcerto@cfmtg.com.What should I have ready before talking to a lender?
Your target city and price, your degree and specialty, an approximate student loan balance and monthly payment, and your employment start date if you have one. A signed employment contract is the single most useful document, because it answers both the pre-start closing question and whether any recruitment bonus affects state loan repayment eligibility.Can you tell me whether I qualify for Pennsylvania loan repayment?
We can tell you whether your specialty and setting fall inside the program's rules, which cover six primary-care specialties at approved outpatient sites in shortage areas or sites serving at least 30% low-income patients, and we will say plainly if the answer is no. Eligibility determinations are made by the Pennsylvania Department of Health.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal, tax, or licensure advice. Physician-loan program terms, eligible degrees, and overlays are set by the lender and change. Pennsylvania Primary Care Loan Repayment Program award amounts, eligibility and application cycles are set by the Pennsylvania Department of Health and change; figures here carry the date we verified them against the Department's published RFA and Fact Sheet. Realty transfer tax rates are set by the Commonwealth and by local jurisdictions and change. All loans are subject to borrower and property qualification, including credit and income review.