A straight answer
Are there mortgage programs for attorneys and CPAs?
The direct answer
Yes. I offer professional mortgage programs for attorneys and CPAs. I review your license, how you are paid and the property, whether you draw a salary, partnership income or self-employment income. I'm Zach von der Linden (NMLS 1652805), a mortgage broker with West Capital Lending, based in San Clemente.
I offer the program with little or no down payment. It has no mortgage insurance. Deferred student loans can be left out of the debt ratio. An offer letter can be used.
The credential opens the program, and your pay structure decides the income rule. A salary needs no minimum history under Fannie Mae's rule. A new partner in a law firm does not always need two years of K-1s, under a Fannie Mae exception. An owner of a quarter or more of the firm is self-employed. I put the financing together with a lender; the lender and the program set the rules. I work with buyers in California, Utah, Oregon and Arizona.
Zach von der Linden, mortgage broker and Branch Manager, West Capital Lending · NMLS 1652805
Wholesale pricing · California, Utah, Oregon and Arizona
5.0 across 66 reviews on Experience.com (read on 2026-09-24) · Text reaches Zach directly · Last updated 2026-10-19
Tell me your profession or income situation, the property state, and whether you're buying or refinancing. I'll explain which program requirements we need to review.
No credit pull happens from a text or a call. Texts and calls go to Zach's cell.
What happens after you text me?
Texts go straight to my cell, and I answer them myself when I'm free. I'll ask for the few details that actually matter, tell you whether the structure looks worth pursuing, and explain the next step. If I don't think the loan fits, I'll tell you that too.
A text or phone conversation does not pull your credit.
What does the professional program change for attorneys and CPAs?
The professional program I offer covers attorneys and CPAs. It offers little or no down payment. It has no mortgage insurance. Deferred student loans can be left out of the debt ratio. The versions limited to your first 10 years in the profession apply only during those years.
An offer letter can be used. Can I get a mortgage with a job offer letter before I start? covers closing on an offer letter.
I am an associate or on staff. How is my pay read?
As fixed base income. Fannie Mae counts "a set salary" as fixed base income, and "A minimum history is not required for inclusion as qualifying income" (Fannie Mae Selling Guide B3-3.3-01). A bonus is read separately, under the variable pay rules.
I just made partner. Do I need two years of K-1s?
Not always. For an owner of less than a quarter of the firm, Fannie Mae asks for two years of signed personal returns and K-1s, and "A minimum two-year history is required" (Fannie Mae Selling Guide B3-3.4-19). Guaranteed payments to a partner do not count until you have received them for two years, with one exception.
Under that exception, a new partner is not held to the two-year history: "An exception to the two-year requirement of receiving "guaranteed payments to the partner" applies if a borrower has recently acquired nominal ownership in a professional services partnership (for example, a medical practice or law firm) after having an established employment history with the partnership" (Fannie Mae Selling Guide B3-3.4-19). The lender then may rely on the compensation your partnership agreement sets, rather than a K-1 history, backed by current year-to-date income.
I became a partner at work. Do I need two years of K-1s before I can buy? covers the K-1 rules in full.
I own my practice. What changes?
Owning a quarter or more makes you self-employed under Fannie Mae's rule (Fannie Mae Selling Guide B3-3.5-01). The lender generally wants a two-year history of your earnings. Less than two years can work when your latest signed personal and business returns show a full year from the current practice, and your prior work was in the same field at the same or greater income.
If your returns show less than the practice earns now, I also offer bank statement loans. Can I refinance or buy if my tax returns do not show what my business earns now? explains them.
What should I have ready?
Your bar or CPA license status, your recent pay stubs and W-2s, your partnership agreement and K-1s if you are a partner, your personal and business returns if you own the practice, and statements for the accounts that will cover closing. Do not text documents or account numbers; I will tell you what to send and how.
For other careers, Do doctors, teachers and nurses get special mortgages? sorts the programs and assistance.
Questions people ask next
Does a bar card or CPA license qualify me automatically?
No. The license opens the professional program, and the lender still reads your income, debts, credit, funds and the property. How you are paid decides which income rule applies.
Are deferred student loans counted?
Under the professional program I offer, deferred student loans can be left out of the debt ratio.
Does the new partner exception cover an accounting firm?
Fannie Mae's exception covers "a professional services partnership," and its examples are "a medical practice or law firm" (Fannie Mae Selling Guide B3-3.4-19). Whether your accounting firm's structure fits is something I read in your partnership agreement before you count on it.
What should I text Zach?
Whether you are on salary, a partner or an owner, the property state, and whether you are buying or refinancing. Do not text documents or account numbers; I will tell you what to send and how.
What clients say
Zach was so easy to work with. He made a stressful situation into a very positive experience for us and did push us one way or another. He listened to what we hoped we could accomplish and made it happen.
Word for word from Experience.com. Read all reviews.
Sources and checked dates
Sources: Confirmed by Zach, October 2026 (checked 2026-10-18) · Supplied by Zach, September 10, 2026 (checked 2026-09-10) · Fannie Mae Selling Guide, B3-3.3-01, Base Income (checked 2026-10-19) · Fannie Mae Selling Guide, B3-3.4-19, Schedule K-1 Income <25% Ownership (checked 2026-10-19) · Fannie Mae Selling Guide, B3-3.5-01, Underwriting Factors and Documentation for a Self-Employed Borrower (checked 2026-10-19).
Show each claim on this page, what it depends on, and the date it was checked (6)
| What we say, and what it depends on | Source | Checked |
|---|---|---|
| I offer professional mortgage programs for eligible attorneys, CPAs and nurses. | Confirmed by Zach, October 2026 | 2026-10-18 |
| The professional mortgage program I offer covers nurse practitioners, nurse anesthetists (CRNAs), attorneys and CPAs. Registered nurses qualify on the program versions that include them. LPNs and LVNs are not covered. The program offers little or no down payment, with no mortgage insurance. Deferred student loans can be left out of the debt ratio. An offer letter can be used. The program versions limited to the first 10 years in the profession apply only during those years. | Confirmed by Zach, October 2026 | 2026-10-19 |
| West Capital Lending offers bank statement loans, and Zach can arrange them. | Supplied by Zach, September 10, 2026 | 2026-09-10 |
| Fannie Mae Selling Guide B3-3.3-01, Base Income (03/04/2026): "Fixed base income refers to a set salary or fixed hourly rate with guaranteed minimum hours." For fixed base income, "A minimum history is not required for inclusion as qualifying income." "Variable base income refers to a fixed hourly rate with fluctuating hours, or an hourly rate that varies," and "A minimum 12-month history of receiving variable income is required." | Fannie Mae Selling Guide, B3-3.3-01, Base Income | 2026-10-19 |
| Fannie Mae Selling Guide B3-3.4-19, Schedule K-1 Income <25% Ownership (10/07/2026): the lender obtains "the most recent two years of: signed personal federal income tax returns, and IRS Schedule K-1," and "A minimum two-year history is required." "If the borrower has a two-year history of receiving "guaranteed payments to the partner" from a partnership or an LLC, these payments can be added to the borrower's cash flow." "Note: An exception to the two-year requirement of receiving "guaranteed payments to the partner" applies if a borrower has recently acquired nominal ownership in a professional services partnership (for example, a medical practice or law firm) after having an established employment history with the partnership. In this situation, the lender may rely on the borrower's guaranteed compensation. This must be evidenced by the borrower's partnership agreement and further supported by evidence of current year-to-date income." | Fannie Mae Selling Guide, B3-3.4-19, Schedule K-1 Income <25% Ownership | 2026-10-19 |
| Fannie Mae Selling Guide B3-3.5-01, Underwriting Factors and Documentation for a Self-Employed Borrower (12/13/2023): "Any individual who has a 25% or greater ownership interest in a business is considered to be self-employed." "Fannie Mae generally requires lenders to obtain a two-year history of the borrower's prior earnings." "However, the income of a person who has less than a two-year history of self-employment may be considered, as long as the borrower's most recent signed personal and business federal income tax returns reflect a full year (12 months) of self-employment income from the current business," with prior income "at the same (or greater) level and in a field that provides the same products or services as the current business, or in an occupation in which they had similar responsibilities." | Fannie Mae Selling Guide, B3-3.5-01, Underwriting Factors and Documentation for a Self-Employed Borrower | 2026-10-19 |
Written for and accountable to: Zach von der Linden, Mortgage broker and Branch Manager, West Capital Lending.
Last updated 2026-10-19.
Verify him: NMLS Consumer Access, ID 1652805 · 66 reviews on Experience.com.
Sources for product claims are listed on this page, with the date each was checked.