Physician Loan Georgia

Regardless if our clients are a first time home buyer or purchasing a new home in Georgia, our vetted loan officers have a solid understanding of the local real estate market and what it requires to secure your physician home mortgage with proficiency and expertise.

Our loan officers in Georgia provide exclusive financing for doctors, like you.

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

Physician Mortgage Experts In Georgia

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

You’ve worked very hard to become a doctor and buying home shouldn’t be nearly as challenging.

Did you know there is a special loan that makes it easy for physicians to buy a home?

A home loan just for doctors?

Yup, doctors get their own loan!

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

We are aware of the economic demands of your student loan financial obligation, and how essential it is to maintain 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 physician, you can count on us to find a home loan that is specially tailored for your needs.

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

Despite these reasons smart financial institutions know that doctors are a good choice due to the fact that they historically have an exceptionally low nonpayment rate on loans, high earning potential and secure jobs.

Not all banks offer this specialized product and within banking institutions that do just simply talking with the right mortgage loan officer makes an enormous difference.

Advantages of Physician Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Generally requires small to no down payment (0-5 percent).
  • Generally does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Generally will approve an agreement as documentation of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

Buying a house doesn’t have 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 thinking about waiting until you have the funds?

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

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

Additionally, don’t forget that having equity in your house will offer greater security and overall flexibility, particularly if something unexpected happens. With the 100% financed physician home mortgage loan, you should 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 house.

Whether you are relocating down the road, across town or across the country, we are right here to help you through the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Georgia physician home mortgage program!

Top cities in Georgia for a physician loan.

Albany
Alpharetta
Athens
Atlanta
Augusta
Brookhaven
Columbus
Dunwoody
Johns Creek
Macon
Marietta
Peachtree Corners
Roswell
Sandy Springs
Savannah
Smyrna
Valdosta
Warner Robins