Physician Loan In Atlanta Georgia

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.

Whether you are a first time home buyer or purchasing a new home in Atlanta Georgia, our vetted loan officers have a solid understanding of the local area real estate industry and what it requires to close your physician loan with proficiency and know-how.

Our loan officers in Atlanta Georgia offer exclusive financing for doctors, exactly like you.

First, let’s talk about why physician mortgage loans even exist. The main 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 loaning them more money with fewer requirements than their competition.

Physician Home Loan Experts In Atlanta Georgia

If you are trying to find a physician loan in Atlanta Georgia then you came to the right place.

You’ve trained very hard to become a doctor and buying home shouldn’t 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 just for doctors?

Yup, doctors get their own home loan!

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

We understand the economic demands of your student loan 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 count on us to find a mortgage loan that is exclusively tailored for your needs.

A large number of physicians in Atlanta Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or little to no work history.

Despite these factors smart financial institutions know that doctors are a good choice because they historically have an exceptionally low default rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banking institutions that do simply talking to the right home loan officer makes a tremendous difference.

Advantages of Physician Home Loans

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Typically does not require private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve an agreement as documentation 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?

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

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

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

Additionally, don’t overlook that having equity in your house will likely offer more security and overall flexibility, particularly if something unanticipated happens. With the 100% financed physician home mortgage loan, you should anticipate to begin under water. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially large check for up to 10% of the purchase price just to get out of the home.

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

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

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

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