Home Mortgage For Physicians In Huntersville North Carolina

Whether you are a first time home buyer or purchasing a new home in Huntersville North Carolina, our vetted loan officers have a strong understanding of the local real estate industry and what it really takes to close your physician mortgage with proficiency and expertise.

Our loan officers in Huntersville North Carolina offer special financing for doctors, exactly like you.

First and foremost, 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 lot fewer requirements than their competition.

Physician Home Loan Experts In Huntersville North Carolina

If you are looking for a physician loan in Huntersville North Carolina then you came to the right place.

You’ve trained very hard to become a doctor and buying home should not 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 loan is a specialty loan program made just for doctors in the home buying process.

We are aware of the personal financial demands of your student loan liability, and how important 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 depend on us to find a home loan that is exclusively tailored for your needs.

A lot of physicians in Huntersville North Carolina 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 factors smart loan providers know that doctors are a good choice considering that they typically have an extremely low default rate on loans, high earning potential and stable jobs.

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

Benefits of Physician Home Loans

  • Usually does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve a contract as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Cash Down?

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

Our loan providers can do the math for you and show you what each circumstance looks like and the advantages of each too.

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

Furthermore, don’t overlook that having equity in your house will likely provide more security and flexibility, specifically if something unforeseen happens. With the 100% financed physician mortgage loan, you ought to anticipate to start out under water. If something doesn’t work out and you are forced to sell quickly, you should 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 right here to help you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Huntersville North Carolina physician loan program!

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

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