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

Our loan officers in Irvine California offer special financing for doctors, just like you.

First, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are very 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 lock in early career doctors by lending them more money with fewer stipulations than their competitors.

Physician Home Mortgage Experts In Irvine California

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

You’ve trained very hard to become a doctor and buying home 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 just for doctors?

Yup, doctors get their own loan!

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

We recognize the financial demands of your student loan debt, and how important it is to maintain working capital for when the time is right with embarking upon your career. Whether you are a couple years into practice, or a well established doctor, you can count on us to find a home loan that is specifically tailored for your needs.

A lot of physicians in Irvine California 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 factors smart financial institutions know that doctors are a good bet due to the fact that they typically have an incredibly low default rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banks that do simply speaking with the best mortgage loan officer makes a significant difference.

Advantages of Physician Home Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Generally does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept an agreement as proof of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Purchasing a house doesn’t need to empty your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

What if you have some cash to put down or are considering waiting 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 earlier and save thousands of dollars on interest too.

Additionally, don’t forget that having equity in your home will definitely provide greater security and overall flexibility, specifically if something unforeseen happens. With the 100% financed physician mortgage loan, you ought to expect to begin underwater. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for as much as 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 work with you all throughout the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Irvine California physician home loan program!

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

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