Physician Mortgage Bethlehem Pennsylvania

Preferred Physician Loan Officer

Doug Adamson
NMLS# 659355
Mobile: (434) 760-2193
Email: dadamson@fultonmortgagecompany.com
Website: www.fultonmortgagecompany.com/dougadamson

  • 100% LTV to $1.5 million
  • Fixed-rate and 5/1, 7/1, 10/1 and 15/1 fixed-term ARM options available
  • No mortgage insurance
  • 700 minimum credit score
  • Student loan payments deferred for 12 months or longer excluded from qualifying debt
  • Physicians, Dentists, Pharmacists, Podiatrists, Ophthalmologists, Veterinarians eligible
  • Gift funds allowed from immediate family members
  • No limit on years out of training for relocating doctors

Doug Adamson has specialized in lending to doctors since the doctor loan program was invented over 20 years ago. As a Certified Mortgage Planner®, Doug is uniquely equipped to help you integrate your mortgage plan with your overall wealth-building strategy. With Doug, you will entrust your financial future with a specialist able to help you choose financing that not only saves you tens of thousands of dollars over the life of the loan, but helps you manage your debt and equity strategically. My team and I look forward to working with you to more quickly fulfill all of your financial dreams.

Get Your Physician Loan Rates Now by Completing the Form Below.

Regardless if you are a first time home buyer or buying a new home in Bethlehem Pennsylvania, our vetted loan officers have a strong understanding of the local area real estate industry and what it requires to secure your physician mortgage with proficiency and know-how.

Our loan officers in Bethlehem Pennsylvania offer exclusive financing for doctors, exactly like you.

To start with, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are very profitable clients for lenders. 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 fewer number of requirements than their competitions.

Physician Loan Experts In Bethlehem Pennsylvania

If you are looking for a physician mortgage in Bethlehem Pennsylvania then you came to the right place.

You’ve trained very hard to become a doctor and purchasing home 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 specifically for doctors?

Yup, doctors get their own home loan!

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

We are aware of the personal financial demands of your student loan debt, and how crucial it is to preserve working capital for when the time is right with starting your career. No matter if you are a couple years into practice, or a well established doctor, you can depend on us to find a home loan that is exclusively tailored for your needs.

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

Despite these reasons smart lenders know that doctors are a good choice due to the fact that 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 banks that do just simply consulting with the best home loan officer makes a significant difference.

Advantages of Physician Home Mortgage Loans

  • Usually does not include student loan monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve a contract as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Purchasing a house doesn’t need 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 considering delaying until you have the funds?

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

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

Furthermore, don’t forget that having equity in your house will definitely offer more security and overall flexibility, especially if something unplanned happens. With the 100% financed physician home mortgage loan, you ought to expect to start out underwater. If something doesn’t work out and you are forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price just to get out of the home.

Regardless of whether you are moving down the street, across town or across the country, we are here to lend a hand you throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Bethlehem Pennsylvania 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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