Elizabeth
Parris
VP of Mortgage Lending at Rate
Founder of Medicine 2 Mortgages
NMLS #1511086 · Lending since 2016
I started in biomedical science and ended up in mortgages — because both jobs are the same job. Read the file, find what's actually wrong, build the plan that fixes it.
Tell me which one is you
Tap yours to see what I can do for it.
I'm an investor
You already know the deal works. The job is getting capital to it before someone else does.
- Fix and flip financing sized to purchase plus rehab
- Rental property loans that qualify on what the property earns, not your tax returns
- New construction and ground-up for builders and developers
- Private and hard money through my lender network when speed is the strategy
- Cash-out and portfolio options to move trapped equity into the next deal
- Deal review before you go hard — I'll tell you if the numbers don't work
I want my first home
First-generation buyers get the least help and the worst information. That's the gap I built this practice to close.
- Low down payment programs and down payment assistance you may qualify for
- First-generation homebuyer programs where your state offers them
- Credit Restoration for Mortgage Readiness — my program to get your file loan-ready
- Throw It in the Bank — the savings system I run with clients before they shop
- A real pre-approval with a real underwriter, not an online estimate
- A straight answer on what you can afford and hold
I work in healthcare
I trained in this world. Your student loans, your contract, and your start date get read correctly instead of penalized.
- Professional and physician loan programs with low or no down payment options
- Contract-based qualifying so you can buy before your first paycheck lands
- Student loan debt structured the way underwriting actually treats it
- White Coat Homebuyer Guide — the full walkthrough, free
- Relocation timing for residency, fellowship, and attending moves
- Nurses, techs, and allied health included — not only for MDs
I'm buying across borders
Wealth in our families often gets built on two continents at once. Your financing should account for both.
- Foreign national financing and non-traditional income documentation
- Buying U.S. property while income, family, or assets sit abroad
- Cross-Atlantic strategy — my expansion work centers on Accra and Johannesburg
- First-generation family planning — buying with parents, siblings, or multiple incomes
- Structuring U.S. property so it can actually pass down
- Straight talk on what documentation lenders will and won't accept
Why medicine to mortgages
Johns Hopkins, then a master's in biomedical sciences, then PCOM. I trained to read a chart, order the right tests, and tell someone the truth about what happens next.
Then I watched families in my own community lose homes and equity, and realized the diagnosis nobody was running was financial. Same discipline, different patient.
Rate is where the loans get funded. Medicine 2 Mortgages is how I teach, prep, and walk you through it.
Reach me right now
Let's build your legacy together.
Elizabeth Parris, VP of Mortgage Lending · NMLS #1511086 · 32 Parking Plaza, Suite 501, Ardmore, PA 19003.
Guaranteed Rate, Inc. D/B/A Rate · NMLS #2611 · 3940 N. Ravenswood Ave., Chicago, IL 60613 · (866) 934-7283 · rate.com. Equal Housing Lender. Licensing at nmlsconsumeraccess.org and rate.com/licensing. Licensed by the Pennsylvania Department of Banking and Securities and the N.J. Department of Banking and Insurance.
Applicant subject to credit and underwriting approval. Not all applicants will be approved. Receipt of an inquiry is not an approval for financing or a rate guarantee. Program availability and terms vary by state and are subject to change.
Private and hard money financing referenced here is arranged through independent third-party lenders and is not offered by Guaranteed Rate, Inc.