Physician Home Loan Athens Georgia

Regardless of whether our clients are a first time home buyer or purchasing a new home in Athens Georgia, our vetted loan officers have a solid understanding of the local real estate market and what it really takes to secure your physician loan with competency and know-how.

Our loan officers in Athens Georgia provide exclusive financing for doctors, exactly like you.

First off, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely profitable clients for lending institutions. 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 far fewer requirements than their competitors.

Physician Mortgage Experts In Athens Georgia

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

You’ve worked 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 mortgage is a customized loan program developed just for doctors in the home purchasing process.

We understand the economic demands of your student loan liability, and how vital 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 rely on us to find a home loan that is specifically tailored for your needs.

A lot of physicians in Athens 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 loan providers know that doctors are a good choice due to the fact that they traditionally have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banks that do just simply speaking to the best home loan officer makes a significant difference.

Benefits of Physician Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not require private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve an agreement as proof of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

Purchasing 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 money 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 situation looks like and the benefits of each too.

In most circumstances, 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 offer more security and overall flexibility, especially if something unplanned happens. With the 100% financed physician mortgage loan, you should expect to start out under water. If something does not work out and you are forced to sell quickly, you should be prepared to write a potentially big check for as much as 10% of the purchase price simply to get out of the house.

No matter if you are relocating down the street, across town or across the country, we are available to lend a hand you through the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Athens Georgia 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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