Home Mortgage For Physicians In Baltimore 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 if you are a first time home buyer or purchasing a new home in Baltimore Maryland, our vetted loan officers have a solid understanding of the local area real estate market and what it really takes to secure your physician loan with proficiency and expertise.

Our loan officers in Baltimore Maryland offer exclusive financing for doctors, just like you.

First and foremost, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely profitable customers 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 a lot fewer terms than their competition.

Physician Home Loan Experts In Baltimore Maryland

If you are looking for a physician loan in Baltimore 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 specifically for doctors?

Yup, doctors get their own loan!

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

We recognize the personal financial demands of your student loan financial obligation, and how essential it is to maintain working capital for when the time is right with launching your career. Whether or not you are a couple years into practice, or a well established doctor, you can depend on us to find a mortgage loan that is specifically tailored for your needs.

A lot of doctors in Baltimore 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 financial institutions know that doctors are a good bet due to the fact that they traditionally 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 to the best mortgage loan officer makes an enormous difference.

Advantages of Physician Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires small 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 approve an agreement as proof of future earnings, in lieu 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 money to put down or are considering waiting until you have the cash?

Our mortgage lenders 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 loan paid off earlier and save thousands on interest too.

Furthermore, don’t forget that having equity in your home will likely provide more security and overall flexibility, specifically if something unexpected happens. With the 100% financed physician home mortgage loan, you ought to anticipate to start out under water. If something does not work out and you’re forced to sell quickly, you need to be prepared to write a potentially big check for up to 10% of the purchase price just to get out of the house.

No matter if you’re moving down the street, across town or across the country, we are available to work with you through the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Baltimore Maryland 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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