Now that our fates are sealed for next year, it's time to think about moving into a new place. For many of us, that means conning a bank into giving a poor physician a mortgage with little to no down payment. I have seen certain web based services that specialize specifically in applicants in our particular situation, but have lost the addresses. If anyone has started either started or completed the mortagage hunt process, please share any useful information, insight, web addresses so that we all might benefit. I am relatively new to this process, but have some information. It seems that banks are willing to lend between 2-3 times your salary for a mortgage. For those of you with dual income, this is quite encouraging. The problem is that most banks want some sort of downpayment, in the neighborhood of 10-20%. You can do no downpayment mortgages, but generally the rates are higher unless you find one of the specialty services I alluded to above. Again, please share your insights with the group so that we all might benefit.