Home Mortgage For Physicians In Albany Georgia

Whether our clients are a first time home buyer or buying a new home in Albany Georgia, our vetted loan officers have a solid understanding of the local real estate market and what it really requires to close your physician home mortgage with efficiency and know-how.

Our loan officers in Albany Georgia offer special financing for doctors, exactly like you.

First, let’s talk about why physician mortgage loans even exist. The reason is that doctors are really profitable clients for lenders. They take out big loans early in their careers and almost always pay them off. Lenders use physician home loans to lock in early career doctors by lending them more money with a fewer number of requirements than their competitions.

Physician Mortgage Experts In Albany Georgia

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

You’ve worked very hard to become a doctor and buying home should not be nearly as difficult.

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

A home loan just for doctors?

Yup, doctors get their own home loan!

A physician home loan is a specialty loan program put together just for doctors in the home buying process.

We are aware of the financial demands of your student loan financial obligation, and how crucial it is to preserve working capital for when the time is right with launching your career. No matter if you are a couple years into practice, or a well established doctor, you can count on us to find a mortgage loan that is exclusively tailored for your needs.

Quite a few doctors in Albany Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or minimal to no work history.

Despite these reasons smart financial institutions know that doctors are a good bet due to the fact that they generally have an extremely low default rate on loans, high earning potential and secure jobs.

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

Benefits of Physician Mortgage Loans

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

Buying a house doesn’t have to drain 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 money?

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

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

Additionally, don’t overlook that having equity in your home will likely provide greater security and flexibility, particularly if something unplanned happens. With the 100% financed physician home mortgage loan, you should expect to start out underwater. 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 just to get out of the house.

Regardless of whether you’re moving down the street, across town or across the country, we are right here to help you through the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Albany Georgia physician loan program!

Less than an hour ago, doctors just like you requested a loan from the locations listed below.

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