Many times a builder will offer a mortgage with huge incentives to use their lender, but does it make financial sense? Oftentimes no. You may get a huge credit, such as $25,000, but if you look at the fees, interest rate and presence of PMI, it may cost you more than a traditional physician loan.

At the end of the day, it's a good bet that nothing is given for free. It's important to ask for the loan estimate so you can compare credits to fees to see what the true offer is. 

To learn more about Doug Crouse or to request a free copy of his book Hippocratic House: Do No Harm When Purchasing Your First Physician Home, go to www.DougCrouse.com.