Physician Loan In Denver Colorado

Benefits of a Physician Loan

  • Zero or Low Down Payment 0-10% is typical.
  • No Private Mortgage Insurance(PMI) saving you up to 1% annually. That is a $10,000 per year savings on a 1 million dollar home.
  • Student loan debt not counted against you. This allows you to qualify for a nicer home.
  • Higher loan limits up to 2 million are available typically at the same rate.
  • Ability to close 90 days prior to new employment beginning. Moving is stressful enough without starting a new job. Why move twice or pay huge premiums for long term housing.
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Whether or not our clients are a first time home buyer or buying a new home in Denver Colorado, our vetted loan officers have a solid understanding of the local area real estate market and what it requires to close your physician home mortgage with efficiency and know-how.

Our loan officers in Denver Colorado provide special financing for doctors, like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The 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 loaning them more money with far fewer terms than their competitors.

Physician Home Mortgage Experts In Denver Colorado

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

You’ve worked very hard to become a doctor and buying 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 specifically for doctors?

Yup, doctors get their own home loan!

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

We understand the economic demands of your student loan financial debt, and how vital 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 rely on us to find a home loan that is specifically tailored for your needs.

Quite a few physicians in Denver Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or very little to no work history.

Despite these reasons smart lenders know that doctors are a good choice considering that they generally have an extremely low default rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banks that do just simply talking to the best home loan officer makes an enormous difference.

Advantages of Physician Home Mortgage Loans

  • Usually does not include student loan monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), despite the fact that 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 house doesn’t need to drain your savings and the process doesn’t have 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 lenders can do the math for you and show you what each scenario looks like and the benefits of each too.

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

Additionally, don’t overlook that having equity in your home will offer greater security and overall flexibility, particularly if something unforeseen happens. With the 100% financed physician home mortgage loan, you ought to expect to begin underwater. If something doesn’t work out and you are forced to sell quickly, you should be prepared to write a potentially large check for as much as 10% of the purchase price simply to get out of the home.

Regardless of whether you’re relocating down the street, across town or across the country, we are available to lend a hand you all throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Denver Colorado 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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