Home Mortgage For Physicians In Columbus Georgia

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

Our loan officers in Columbus Georgia offer special financing for doctors, exactly like you.

To start with, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are extremely profitable customers for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use physician home loans to secure early career doctors by loaning them more money with fewer terms than their competitions.

Physician Home Loan Experts In Columbus Georgia

If you are searching for a physician home loan in Columbus Georgia then you came to the right place.

You’ve trained very hard to become a doctor and buying 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 just for doctors?

Yup, doctors get their own loan!

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

We are aware of the financial demands of your student loan financial debt, and how vital it is to maintain working capital for when the time is right with starting your career. Whether or not 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 large number of doctors in Columbus Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or little to no work history.

Despite these factors smart lenders know that doctors are a good bet considering that they historically have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

Not all mortgage lenders offer this specialized product and within banks that do simply talking with the best home loan officer makes a remarkable difference.

Advantages of Physician Mortgage Loans

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

Buying a home doesn’t have to drain your savings and the process doesn’t need to drain your time.

Should You Put Cash Down?

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

Our mortgage lenders can do the math for you and show you what each situation looks like and the advantages of each too.

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

Furthermore, don’t forget that having equity in your home will likely offer more security and flexibility, particularly if something unanticipated happens. With the 100% financed physician home mortgage loan, you ought to anticipate to begin underwater. If something does not work out and you are forced to sell quickly, you should 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 relocating down the street, across town or across the country, we are right here to lend a hand you all throughout the physician home loan process:: because you deserve it!

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

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

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