Home Mortgage For Physician Huntington Beach California

Preferred Physician Loan Officer

Carmen Mayell
NMLS# 779831
Mobile: (949) 257-2502
Email: carmen.mayell@flagstar.com
LinkedIn: www.linkedin.com/in/ccmayell
Instagram: #bocabanker

  • Providing specialized home loans for Medical and Dental Professionals and Specialists.
  • Loan amounts to $1.5MM / Little to no down payment options / No mortgage insurance
  • Able to serve clients in All 50 States! Questions answered without obligation.
Get Your Physician Loan Rates Now by Completing the Form Below.

Regardless of whether our clients are a first time home buyer or buying a new home in Huntington Beach California, our vetted loan officers have a strong understanding of the local real estate market and what it really requires to close your physician home mortgage with proficiency and know-how.

Our loan officers in Huntington Beach California offer exclusive financing for doctors, exactly like you.

First, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely profitable customers for financial institutions. 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 lending them more money with far fewer terms than their competitions.

Physician Home Loan Experts In Huntington Beach California

If you are looking for a physician home loan in Huntington Beach California 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 mortgage!

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

We understand the economic demands of your student loan debt, and how essential it is to preserve working capital for when the time is right with starting your career. Whether or not 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 Huntington Beach California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or little to no work history.

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

Not all mortgage lenders offer this specialized product and within banking institutions that do simply consulting with the best mortgage loan officer makes a tremendous difference.

Advantages of Physician Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Often does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as proof of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

Suppose you have some funds to put down or are considering waiting until you have the cash?

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 mortgage paid off sooner and save thousands on interest too.

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

No matter if you are moving down the street, across town or across the country, we are available to work with you throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Huntington Beach California physician loan program!

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