Physician Loan In Appleton Wisconsin

Benefits of a Physician Loan

  • Zero or Low Down Payment 0-10% is typical.
  • No Private Mortgage Insurance(PMI) saving you up to 1% annually. That is a $10,000 per year savings on a 1 million dollar home.
  • Student loan debt not counted against you. This allows you to qualify for a nicer home.
  • Higher loan limits up to 2 million are available typically at the same rate.
  • Ability to close 90 days prior to new employment beginning. Moving is stressful enough without starting a new job. Why move twice or pay huge premiums for long term housing.
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Whether our clients are a first time home buyer or buying a new home in Appleton Wisconsin, our vetted loan officers have a strong understanding of the local area real estate market and what it really takes to secure your physician mortgage with efficiency and expertise.

Our loan officers in Appleton Wisconsin offer exclusive financing for doctors, just like you.

To start with, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are really profitable clients 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 far fewer requirements than their competitors.

Physician Home Mortgage Experts In Appleton Wisconsin

If you are trying to find a physician mortgage in Appleton Wisconsin then you came to the perfect place.

You’ve trained very hard to become a doctor and buying home shouldn’t 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 loan is a specialty loan program developed just for doctors in the home buying process.

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

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

Despite these reasons smart lenders know that doctors are a good choice because they typically 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 simply consulting with the best mortgage officer makes an enormous difference.

Benefits of Physician Home Loans

  • Typically 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 a contract as documentation of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Buying a home 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 cash 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 situation looks like and the advantages of each too.

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

Additionally, don’t overlook that having equity in your home will offer greater security and flexibility, particularly if something unexpected happens. With the 100% financed physician mortgage loan, you ought to expect to start out under water. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially big check for up to 10% of the purchase price just to get out of the home.

Regardless of whether you’re relocating down the street, across town or across the country, we are available to assist you all throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Appleton Wisconsin physician loan program!

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