Dentist Home Loan Athens Georgia

Regardless if you are a first time home buyer or purchasing a new home in Athens Georgia, our vetted loan officers have a strong understanding of the local area real estate industry and what it really requires to secure your dentist home mortgage with competency and know-how.

Our loan officers in Athens Georgia offer exclusive financing for dentists, exactly like you.

To start with, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are extremely profitable customers for lenders. They take out big loans early in their careers and almost always pay them off. Lenders use dentist home loans to secure early career dentists by lending them more money with a lot fewer terms than their competition.

Dentist Home Mortgage Experts In Athens Georgia

If you are searching for a dentist home loan in Athens Georgia then you came to the perfect place.

You’ve worked very hard to become a dentist and purchasing home should not be nearly as challenging.

Did you know there is a special loan that makes it easy for dentists to buy a home?

A home loan specifically for dentists?

Yup, dentists get their own mortgage!

A dentist mortgage is a specialized loan program made just for dentists in the home buying process.

We understand the economic demands of your student loan financial debt, and how vital it is to maintain working capital for when the time is right with starting your dental career. No matter if you are a couple years into practice, or a well established dentist, you can count on us to find a home loan that is exclusively tailored for your needs.

A lot of dental experts in Athens Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or minimal to no work history.

Despite these factors smart lenders know that dentists are a good bet because they historically have an extremely low nonpayment rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banks that do simply talking with the right home loan officer makes a significant difference.

Advantages of Dentist Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Usually does not require private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve a contract as documentation of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

Buying a house doesn’t need to empty your savings and the process doesn’t need to drain your time.

Should You Put Cash Down?

Suppose you have some money to put down or are looking at delaying until you have the funds?

Our mortgage lenders can do the math for you and show you what each scenario looks like and the benefits of each too.

In most cases, you’ll get your home mortgage paid off sooner and save thousands on interest too.

Furthermore, don’t forget that having equity in your house will most likely provide greater security and flexibility, especially if something unexpected happens. With the 100% financed dentist mortgage loan, you ought to expect to begin under water. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the house.

No matter if you are relocating down the street, across town or across the country, we are here to lend a hand you throughout the dentist home loan process:: because you deserve it!

Dentists, get the home of your dreams with our Athens Georgia dentist home loan program!