Physician Home Loan Program Annapolis Maryland

Preferred Physician Loan Officer

Bob Hall
NMLS# 658867
Mobile: (404) 432-1006
Email: bob.hall@suntrust.com
Website: www.suntrust.com/bob.hall

  • Designed to meet the unique financial needs of Licensed Residents, Interns, Fellows in MD, DO, and DPM programs and licensed Physicians and Dentists (MD, DO, DPM, DDS, DMD).
  • No Mortgage Insurance regardless of the LTV
  • 100% financing – loan amounts up to $750,000 with zero down payment
  • 95% financing – loan amounts from $750,001 to $1,000,000 require a 5% down payment
  • 89.99% financing – loan amounts from $1,000,0001 to $1,500,000 require a 10.01% down payment
  • ZERO PMI EVEN WHEN THE LTV IS OVER 80%
  • Max Loan amount for Residents, Interns and Fellows is $750,000
  • Gifts/employer loans/seller contributions allowed depending on specific program availability and requirements
  • In some states, the Doctor Loan requires a pre-existing SunTrust deposit account relationship. If the borrower does not have the pre-existing SunTrust deposit account relationship in those states then they might qualify for the Premier Mortgage. The Premier Mortgage offers jumbo financing over 80% with zero mortgage insurance.

Find out more by contacting Bob Hall at bob.hall@suntrust.com and/or (404) 432-1006. More details and the online application is located at www.suntrust.com/bob.hall

Get Your Physician Loan Rates Now by Completing the Form Below.

Regardless of whether our clients are a first time home buyer or buying a new home in Annapolis Maryland, our vetted loan officers have a solid understanding of the local real estate industry and what it really takes to close your physician mortgage with proficiency and know-how.

Our loan officers in Annapolis Maryland offer special financing for doctors, just like you.

First off, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely 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 fewer terms than their competitors.

Physician Home Loan Experts In Annapolis Maryland

If you are looking for a physician loan in Annapolis Maryland then you came to the right place.

You’ve trained very hard to become a doctor and buying home really should not be nearly as challenging.

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

A home loan specifically for doctors?

Yup, doctors get their own mortgage!

A physician home mortgage is a specialty loan program designed just for doctors in the home purchasing process.

We understand the personal financial demands of your student loan financial debt, and how essential it is to maintain working capital for when the time is right with embarking upon your career. Whether or not you are a couple years into practice, or a well established doctor, you can rely on us to find a home loan that is exclusively tailored for your needs.

A lot of physicians in Annapolis Maryland 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 reasons smart lending institutions know that doctors are a good bet considering that they historically have an incredibly low default rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banking institutions that do just simply talking with the best mortgage loan officer makes a tremendous difference.

Benefits of Physician Home Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Often does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

Purchasing a home doesn’t need 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 delaying until you have the funds?

Our 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 earlier and save thousands of dollars on interest too.

Additionally, don’t overlook that having equity in your house will definitely offer greater security and flexibility, especially if something unplanned happens. With the 100% financed physician home mortgage loan, you should expect to start out under water. If something doesn’t work out and you are 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 home.

Regardless of whether you are moving down the street, across town or across the country, we are available to help you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Annapolis Maryland physician home mortgage program!

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

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  • Physician Loan In Annapolis Maryland

    Preferred Physician Loan Officer

    Bob Hall
    NMLS# 658867
    Mobile: (404) 432-1006
    Email: bob.hall@suntrust.com
    Website: www.suntrust.com/bob.hall

    • Designed to meet the unique financial needs of Licensed Residents, Interns, Fellows in MD, DO, and DPM programs and licensed Physicians and Dentists (MD, DO, DPM, DDS, DMD).
    • No Mortgage Insurance regardless of the LTV
    • 100% financing – loan amounts up to $750,000 with zero down payment
    • 95% financing – loan amounts from $750,001 to $1,000,000 require a 5% down payment
    • 89.99% financing – loan amounts from $1,000,0001 to $1,500,000 require a 10.01% down payment
    • ZERO PMI EVEN WHEN THE LTV IS OVER 80%
    • Max Loan amount for Residents, Interns and Fellows is $750,000
    • Gifts/employer loans/seller contributions allowed depending on specific program availability and requirements
    • In some states, the Doctor Loan requires a pre-existing SunTrust deposit account relationship. If the borrower does not have the pre-existing SunTrust deposit account relationship in those states then they might qualify for the Premier Mortgage. The Premier Mortgage offers jumbo financing over 80% with zero mortgage insurance.

    Find out more by contacting Bob Hall at bob.hall@suntrust.com and/or (404) 432-1006. More details and the online application is located at www.suntrust.com/bob.hall

    Get Your Physician Loan Rates Now by Completing the Form Below.

    Regardless of whether you are a first time home buyer or buying a new home in Annapolis Maryland, our vetted loan officers have a strong understanding of the local real estate industry and what it requires to secure your physician mortgage with competency and expertise.

    Our loan officers in Annapolis Maryland provide exclusive financing for doctors, just like you.

    To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely profitable customers for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use physician home loans to secure early career doctors by loaning them more money with a fewer number of terms than their competition.

    Physician Mortgage Experts In Annapolis Maryland

    If you are looking for a physician home loan in Annapolis Maryland then you came to the right place.

    You’ve trained very hard to become a doctor and purchasing home really should not be nearly as challenging.

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

    A home loan only for doctors?

    Yup, doctors get their own home loan!

    A physician loan is a customized loan program developed just for doctors in the home buying process.

    We recognize the personal financial demands of your student loan financial obligation, and how crucial it is to maintain working capital for when the time is right with launching your career. Whether you are a couple years into practice, or a well established doctor, you can count on us to find a home loan that is exclusively tailored for your needs.

    Many doctors in Annapolis Maryland 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 reasons smart lending institutions know that doctors are a good bet due to the fact that they generally have an exceptionally low default rate on loans, high earning potential and stable jobs.

    Not all lenders offer this specialized product and within banking institutions that do just simply speaking with the best mortgage officer makes a tremendous difference.

    Advantages of Physician Home Mortgage Loans

    • Usually does not include student loan monthly payments in debt-to-income percentage.
    • Requires very low to no down payment (0-5 percent).
    • Typically does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
    • Will accept an agreement as proof of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

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

    Should You Put Cash Down?

    Suppose you have some funds to put down or are thinking about delaying until you have the cash?

    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 situations, you’ll get your mortgage paid off sooner and save thousands on interest too.

    Furthermore, don’t overlook that having equity in your home will most likely provide more security and flexibility, specifically if something unexpected happens. With the 100% financed physician mortgage loan, you ought to anticipate to start out underwater. If something does not 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 simply to get out of the home.

    Regardless of whether you are relocating down the road, across town or across the country, we are right here to lend a hand you throughout the physician home loan process:: because you deserve it!

    Doctors, get the house of your dreams with our Annapolis Maryland physician home mortgage program!

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

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