Home Mortgage For Dentists Valdosta Georgia

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

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

First off, let’s discuss why dentist mortgage loans even exist. The 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 secure early career dentists by loaning them more money with far fewer terms than their competitors.

Dentist Home Mortgage Experts In Valdosta Georgia

If you are searching for a dentist mortgage loan in Valdosta Georgia then you came to the right 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 only for dentists?

Yup, dentists get their own mortgage!

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

We are aware of the financial demands of your student loan financial debt, and how important it is to preserve working capital for when the time is right with launching your dental career. No matter if you are a couple years into practice, or a well established dentist, you can depend on us to find a home loan that is specifically tailored for your needs.

A lot of dentists in Valdosta Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or very little to no work history.

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

Not all lenders offer this specialized product and within banks that do simply talking with the best mortgage loan officer makes an enormous difference.

Benefits of Dentist Mortgage Loans

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

Purchasing a home doesn’t have to drain your savings and the process doesn’t have to drain your time.

Should You Put Cash Down?

What if you have some funds to put down or are considering waiting until you have the funds?

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

In most circumstances, you’ll get your mortgage paid off sooner and save thousands of dollars on interest too.

Furthermore, don’t overlook that having equity in your home will most likely offer more security and overall flexibility, particularly if something unexpected happens. With the 100% financed dentist home mortgage loan, you ought to expect to begin underwater. 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 as much as 10% of the purchase price just to get out of the home.

Whether you are relocating down the street, across town or across the country, we are right here to lend a hand you all throughout the dentist home mortgage process:: because you deserve it!

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