Home Mortgage For Physician Dayton Ohio

Preferred Physician Loan Officer

Bill Lavelle
NMLS# 712886
Mobile: (614) 563-4086 / 1-800-761-0194
Email: Bill.Lavelle@BankAtFirst.com
Website: www.BillLavelle.com

  • $0 Down with No PMI insurance up to a loan amount of $750,000
  • 5% Down with No PMI insurance for a loan amount of $750,001 – $1 Million
  • Can close on loan up to 90 days before starting new employment with a copy of executed offer & acceptance
  • 30 Year Fixed option as well as a full suite of ARM products
  • Purchase, Construction, or Refinance
  • Permanent Resident Aliens are allowed. A Green Card (INS Form I-551) is required.
  • Eligible Professions: Physicians, Medical Residents, Interns and fellowship doctors, Dentists, Chiropractors, Veterinarians, CRNA/PA-C

I have spent most of my professional career as a mortgage loan officer, both with major banks and mortgage companies, and can truly say “I love working with home buyers to help make their dream of home ownership come true. Whether FHA or VA buyers, conforming or non-conforming, conventional or jumbo, construction or professional loan programs, I have worked with them all and know them inside and out. Accolades… sure I have them…

Ranked the #1 mortgage loan officer in the State of Ohio for construction / purchase origination in 2012, 2013, 2014, 2015, & 2016 with over $100 million in loans closed each year.
* Per top loan officer rankings by Mortgage Industry publication Scotsman Guide.

…but the satisfaction of helping each individual client is what is important to me. If you need a lender who will work tirelessly to get your deal closed then look no further. Message or call me anytime and I will be glad to help.

Thinking of building or buying, call me first to find the perfect loan program for you.

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

Regardless of whether our clients are a first time home buyer or purchasing a new home in Dayton Ohio, our vetted loan officers have a solid understanding of the local area real estate market and what it really takes to close your physician loan with proficiency and know-how.

Our loan officers in Dayton Ohio offer special financing for doctors, like you.

First off, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are really profitable customers 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 lending them more money with a fewer number of stipulations than their competitors.

Physician Mortgage Experts In Dayton Ohio

If you are trying to find a physician home loan in Dayton Ohio then you came to the right place.

You’ve worked 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 only for doctors?

Yup, doctors get their own loan!

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

We understand the budgetary demands of your student loan liability, and how vital it is to preserve 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 count on us to find a mortgage loan that is specially tailored for your needs.

Many physicians in Dayton Ohio may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or minimal to no work history.

Despite these factors smart financial institutions know that doctors are a good choice considering that they typically have an incredibly low default rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do simply speaking to the best home loan officer makes a remarkable difference.

Benefits of Physician Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Typically does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept an agreement as proof of future earnings, instead 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 have to drain your time.

Should You Put Cash Down?

What if you have some cash to put down or are looking at delaying until you have the cash?

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 cases, you’ll get your mortgage paid off sooner and save thousands on interest too.

Additionally, don’t forget that having equity in your home will most likely provide more security and flexibility, particularly if something unexpected happens. With the 100% financed physician mortgage loan, you should anticipate to begin under water. If something doesn’t work out and you’re 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.

Regardless of whether you are relocating down the road, across town or across the country, we are here to work with you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Dayton Ohio physician loan program!

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

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