Home Mortgage For Dentists In Columbus Georgia

Regardless of whether our clients are a first time home buyer or purchasing a new home in Columbus Georgia, our vetted loan officers have a solid understanding of the local area real estate industry and what it really requires to secure your dentist home mortgage with competency and expertise.

Our loan officers in Columbus Georgia offer specialized financing for dentists, exactly like you.

First off, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are very profitable clients 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 loaning them more money with a lot fewer terms than their competitors.

Dentist Home Loan Experts In Columbus Georgia

If you are trying to find a dentist home loan in Columbus Georgia then you came to the right place.

You’ve worked very hard to become a dentist and buying 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 just for dentists?

Yup, dentists get their own mortgage!

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

We are aware of the economic demands of your student loan financial debt, and how crucial it is to maintain working capital for when the time is right with embarking upon your dental career. Regardless if you are a couple years into practice, or a well established dentist, you can count on us to find a mortgage loan that is specially tailored for your needs.

Many dentists in Columbus Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or minimal to no work history.

Despite these factors smart financial institutions know that dentists are a good choice due to the fact that they generally have an extremely low default rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banking institutions that do just simply consulting with the best home loan officer makes an enormous difference.

Advantages of Dentist Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Typically does not necessitate private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve a contract as proof of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

What if you have some cash to put down or are thinking about waiting until you have the money?

Our loan providers can do the math for you and show you what each scenario looks like and the advantages of each too.

In most instances, you’ll get your home loan paid off sooner and save thousands of dollars on interest rates too.

Additionally, don’t overlook that having equity in your home will likely provide greater security and flexibility, especially if something unplanned happens. With the 100% financed dentist mortgage loan, you should anticipate to start out underwater. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially big check for up to 10% of the purchase price just to get out of the house.

Regardless of whether you are moving down the road, across town or across the country, we are right here to help you all throughout the dentist home mortgage process:: because you deserve it!

Dentists, get the home of your dreams with our Columbus Georgia dentist home mortgage program!