Dentist Mortgage Smyrna Georgia

Whether or not you are a first time home buyer or buying a new home in Smyrna Georgia, our vetted loan officers have a solid understanding of the local area real estate market and what it really requires to secure your dentist mortgage with competency and expertise.

Our loan officers in Smyrna Georgia provide exclusive financing for dentists, exactly like you.

To start with, let’s talk about why dentist mortgage loans even exist. The main reason is that dentists are really 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 lock in early career dentists by loaning them more money with fewer stipulations than their competition.

Dentist Home Mortgage Experts In Smyrna Georgia

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

You’ve trained 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 home loan!

A dentist home mortgage is a customized loan program put together just for dentists in the home purchasing process.

We understand the economic demands of your student loan debt, and how important it is to maintain working capital for when the time is right with launching 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 home loan that is specifically tailored for your needs.

A large number of dentists in Smyrna Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or little to no work history.

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

Not all banks offer this specialized product and within banking institutions that do just simply speaking to the right mortgage loan officer makes an enormous difference.

Benefits of Dentist Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, instead 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 cash to put down or are thinking about delaying until you have the funds?

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

In most situations, you’ll get your mortgage paid off earlier and save thousands on interest rates too.

Additionally, don’t overlook that having equity in your home will provide more security and flexibility, specifically if something unforeseen happens. With the 100% financed dentist mortgage loan, you ought to anticipate to begin under water. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially sizable check for up to 10% of the purchase price just to get out of the home.

No matter if you are relocating down the road, across town or across the country, we are here to assist you through the dentist home loan process:: because you deserve it!

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