Home Mortgage For Physicians In Baton Rouge Louisiana

Whether or not our clients are a first time home buyer or buying a new home in Baton Rouge Louisiana, our vetted loan officers have a solid understanding of the local area real estate market and what it really takes to close your physician home mortgage with efficiency and expertise.

Our loan officers in Baton Rouge Louisiana provide exclusive financing for doctors, exactly like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The reason is that doctors are really 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 loaning them more money with a lot fewer stipulations than their competitors.

Physician Home Loan Experts In Baton Rouge Louisiana

If you are trying to find a physician mortgage loan in Baton Rouge Louisiana then you came to the right place.

You’ve worked very hard to become a doctor and purchasing home really should not 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 only for doctors?

Yup, doctors get their own mortgage!

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

We understand the budgetary demands of your student loan liability, and how essential it is to maintain working capital for when the time is right with embarking upon 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 exclusively tailored for your needs.

A lot of doctors in Baton Rouge Louisiana may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or minimal to no work history.

Despite these reasons smart lending institutions know that doctors are a good choice because they typically have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all banks offer this specialized product and within banks that do simply talking to the right mortgage loan officer makes a significant difference.

Advantages of Physician Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Usually does not call for private mortgage insurance (PMI), even if 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 house doesn’t need to empty your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

Suppose you have some cash to put down or are considering waiting until you have the money?

Our lenders can do the math for you and show you what each circumstance looks like and the benefits of each too.

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

Furthermore, don’t overlook that having equity in your house will most likely offer more security and flexibility, especially if something unanticipated happens. With the 100% financed physician mortgage loan, you should expect 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 large check for up to 10% of the purchase price simply to get out of the house.

No matter if you are moving down the street, across town or across the country, we are right here to work with you all throughout the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Baton Rouge Louisiana 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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