Get Pre-Approved for a Home Loan in Minutes
Created by Chad Hutchens, RN, a registered nurse and mortgage professional who understands healthcare schedules, shift work, and nurse income questions. Chad helps nurses and healthcare professionals review options, ask questions, and move toward home loan pre-approval with clear, flexible support.
Quick Nurse Mortgage Inquiry
Complete the short form and Chad will follow up by call or text. Questions are welcome, even if you are not ready to apply yet.
By submitting your information, you agree to be contacted by phone, text, and/or email regarding your mortgage inquiry. Message and data rates may apply. Consent is not a condition of purchase. You may opt out at any time. View our Privacy Policy.
- Guidance for overtime, shift differential, and PRN income questions
- Flexible communication around long shifts and busy schedules
- Support for first-time buyers, repeat buyers, and refinancing
- Clear next steps without confusing mortgage jargon
How It Works
You do not have to have everything figured out before reaching out. The goal is to help you understand where you stand and what step makes sense next.
Tell Chad Your Goal
Share whether you are buying soon, just researching, refinancing, or trying to understand what you may qualify for.
Review Your Options
Get help understanding possible loan paths, documentation needs, and how your income structure may be reviewed.
Move Forward Clearly
When you are ready, take the next step toward pre-approval, home shopping, refinancing, or preparing to qualify.
Free Mortgage Consultation for Nurses & Healthcare Professionals
Talk through your situation, ask questions about income documentation, and get clear next steps with support built from Chad Hutchens, RN’s registered nurse and mortgage perspective.
Your Mortgage Process Should Fit Your Schedule
Chad Hutchens, RN is a registered nurse and mortgage professional, so this page is built around real healthcare work schedules. Nurses and healthcare professionals often have income and schedules that do not fit neatly into a basic 9-to-5 box. Overtime, shift differentials, weekend pay, PRN work, and changing schedules can raise questions during the loan process.
- Review mortgage options before you start shopping
- Ask questions without feeling pressured to apply immediately
- Get flexible communication by call or text
- Understand what documents may be needed next
Ask About $500 Toward Closing Costs for Eligible Nurses*
Eligible nurse borrowers may qualify for $500 toward closing costs. Availability, eligibility, and program terms may vary.
This is not a guarantee of approval, loan terms, or credit eligibility. All loans are subject to credit approval, underwriting, investor guidelines, and applicable program requirements.
Check My OptionsCommon Questions
A few common questions nurses and healthcare professionals ask before starting the mortgage process, answered with registered nurse insight and mortgage guidance.
Can overtime or shift differential count as income?
It may be considered depending on your work history, documentation, loan program, and underwriting guidelines. The best first step is reviewing your situation.
Do I have to be ready to buy right now?
No. You can start by asking questions, reviewing your options, and understanding what may need to happen before you apply.
Is this only for nurses?
No. The Mortgage RN was created by Chad Hutchens, RN, a registered nurse and mortgage professional, to focus on nurses and healthcare professionals. Mortgage support is available to qualified borrowers.
Ready to Review Your Mortgage Options?
Start with the short form, call Chad, or send a quick text. You can ask questions first and move forward when you are ready.