Home Mortgage For Physicians In Greenwood Indiana

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 if you are a first time home buyer or purchasing a new home in Greenwood Indiana, our vetted loan officers have a solid understanding of the local area real estate industry and what it requires to secure your physician home loan with efficiency and know-how.

Our loan officers in Greenwood Indiana offer specialized financing for doctors, like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are extremely 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 secure early career doctors by loaning them more money with a fewer number of requirements than their competitors.

Physician Loan Experts In Greenwood Indiana

If you are searching for a physician mortgage loan in Greenwood Indiana then you came to the perfect place.

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

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 home loan!

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

We recognize the economic demands of your student loan financial debt, and how essential it is to maintain working capital for when the time is right with starting your career. Regardless 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 Greenwood Indiana may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or minimal to no work history.

Despite these reasons smart lending 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 stable jobs.

Not all lenders offer this specialized product and within banks that do simply consulting with the right mortgage loan officer makes an enormous difference.

Advantages of Physician Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept 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 cash?

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 situations, you’ll get your mortgage paid off earlier and save thousands on interest rates too.

Furthermore, don’t forget that having equity in your home will most likely offer greater security and overall flexibility, particularly if something unanticipated happens. With the 100% financed physician mortgage loan, you ought to anticipate to begin underwater. If something does not work out and you’re forced to sell quickly, you need to be prepared to write a potentially large check for up to 10% of the purchase price just to get out of the house.

Regardless of whether you’re relocating down the road, across town or across the country, we are here 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 Greenwood Indiana physician home mortgage program!

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