Home Mortgage For Physicians In Greenville North Carolina

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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Regardless if you are a first time home buyer or purchasing a new home in Greenville North Carolina, our vetted loan officers have a strong understanding of the local area real estate industry and what it takes to secure your physician home loan with efficiency and expertise.

Our loan officers in Greenville North Carolina provide special financing for doctors, like you.

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

Physician Loan Experts In Greenville North Carolina

If you are trying to find a physician home loan in Greenville North Carolina 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 mortgage!

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

We are aware of the budgetary demands of your student loan financial obligation, and how vital it is to maintain working capital for when the time is right with embarking upon 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 mortgage loan that is exclusively tailored for your needs.

A large number of physicians in Greenville North Carolina may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or very little to no work history.

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

Not all lenders offer this specialized product and within banks that do simply talking to the right 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 percentage.
  • Requires low to no down payment (0-5 percent).
  • Typically does not require private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve a contract as documentation of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

What if you have some money to put down or are considering delaying until you have the money?

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

Additionally, don’t overlook that having equity in your home will most likely provide greater security and flexibility, specifically if something unanticipated happens. With the 100% financed physician home mortgage loan, you ought to expect 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 simply to get out of the home.

No matter if you are relocating down the street, across town or across the country, we are here to help you through the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Greenville North Carolina physician loan program!

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