u/Informal_Invite_424

Hi folks!

Thinking about buying a house soon but have a pretty bad credit score as I bought a £500 item as a student 4 years ago which I could afford to pay off, so my account was defaulted. Other than that have not even taken out any debt and stated using credit cards just a few months ago, and have been on top of payments.

This is my 2nd year working full time and I’m earning just shy of 70k, and have very few expenses.

How will this affect my mortgage application? Anything I can do to still secure a decent mortgage?

Been noticing that there are quite a few programs in NY/NJ that take IMGs left and right with 0%USMDs.

Can anyone shed some light on some problems with these programs +/- why they’re so IMG friendly?

I went unmatched last year as I aimed too high with my programs list so contemplating applying to these bad boys next cycle.

Would appreciate any insight!

Who typically earns more between radiology and Ophthal?

And pay aside, what are some pros and cons of each which may be somewhat overlooked?

2024 grad

FY2 doctor in the UK

Step 1 attempt

Step 2 240

2 months USCE

15 research items

ECFMG certified

Applied to 100 IM programs (all university based with some uni affiliated) and got 4 interviews.

Felt interviews went quite well and didn’t have any concerns.

Where did I go wrong?

What can I do differently for the upcoming cycle?