Are you a PhD candidate looking for a home loan?

We have the skills and insights to give you the support you need


of PhD candidates turned
into homeowners


Different states

Buying property as a grad student or PhD candidate can be confusing. Shop confidently with our team that has closed hundreds of loans for buyers receiving grad student income.

There are many strange income variances when you are getting paid from research grants. Universities also do not have a national standard on how to provide funds to students. We have a track record of successfully documenting and approving stipend and fellowship income with irregular disbursements or non W-2, 1098-T status.

Not all lenders understand this income type, we are here to remove the confusion, yet can only speak from experience with closings loans PrimeLending underwriters.

You can purchase property at any point during your funding! All stages of funding is workable, first or last year, including post Doc appointments. Now PhDs candidates have closed 90 before their first payday. This is perfect for that summer relocation window. If house hacking is a goal for you while in school, we would be happy to work with you.

Success Stories

Joshua D.


25 day close – 4.5%

Etsy A.

Pittsburgh, PA

29 day close

Priya S.

Durham, NC

26 day close

Sarah K.

Kensington, MD

29 day close

Jamal P.

Nashville, TN

25 day close

Where it all began

Hello, I’m Samuel Hogan, a Senior Loan Officer with PrimeLending. I have been originating home loans for 6+ years. When I am not helping first-time home buyers, you can find me coaching youth lacrosse, or catching a live concert.

Since 2019 I have helped hundreds of PhDs candidates and Post Docs become homeowners. My oldest sister, Dr. Emily Roberts Ph.D. runs PFforPHDs. She asked me to investigate why this income type was so misunderstood. My results were a sigh of relief, the income can be approved with certain terms. If you are in the market for a home loan, I’d be happy to help!

Kind words from our clients

I can’t thank Sam and his team enough for their help as a first-time homebuyer. I’ll be starting a Ph.D. program in a month, and several other lenders told me that my income/offer letter would never qualify for a loan, and that I’d need a co-signer or to keep renting. My letter was not a problem at all for Sam and his team, and they were very effective communicators throughout the process. If you’re interested in purchasing a home and have Ph.D./stipend/scholarship income, I couldn’t recommend working with Sam more.

Sam and his team at PrimeLending were INCREDIBLE! I was denied by several banks because my non-W2, non-1099 grad Ph.D. stipend was a non-starter for other lenders. Sam and his team had no problem getting my application approved by the underwriters. The back and forth was minimal and I always received a response within an hour whenever I needed something. I can’t thank Sam and his team enough for helping me purchase my first home. I highly recommend it to any home buyer, but especially those who have uncommon sources of income.

If you’re a Ph.D. student on stipend income, you won’t get very far with other lenders. My wife and I went through several applications with other lenders and were told underwriting would not accept my stipend income for our mortgage application. Sam was able to get my stipend income through without issue. We were even in the middle of a move and had a tight closing timeline during a super busy time and we closed on time. Highly recommend Sam and his team!

Going into the home buying process, we were worried about how my non-traditional income as a Ph.D. student with a stipend would affect our ability to buy the home we wanted. Fortunately, we found Sam Hogan at PrimeLending. He guided us through the process, explained everything along the way, and was always available to answer all of our questions. His help made a stressful process run smoothly and I would recommend him to anyone else in our situation!

Sam Hogan helped my fiancé Sally and me secure a home loan recently, and we were very satisfied with the results. I am a postdoctoral researcher funded through the NSF. This means that my income is not typical of most home-buyers (not W-2, and technically classified as 1099). With this unique situation, Sam and Prime Lending were the only lending source with the unique skill set to secure a loan without the need for a co-sign. Ph.D. students, postdoctoral associates, technicians, and people in any stage of academia should reach out to Sam for help with their loans. Thanks, Sam!

Not sure where to start? Our hassle free process ensures your application is seen quickly

Let’s Talk

(540) 478-5803

April 15th is just around the corner! Have you already started your PhD research? Maybe you’re planning for a big move in the fall. Are you in good credit standing…..or have you established enough credit history to qualify?

Oh, and you do not need 20% down to purchase. Feel free to call or text me to clear the air on some mortgage myths. I have help PhD’s and post docs in all stages of funding. It’s important to know this is a discovery process, we want to act proactively with your loan approval, leaving little room for error.