Physician Home Loan Program Kirkland Washington

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

Our loan officers in Kirkland Washington provide exclusive financing for doctors, like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The reason is that doctors are really 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 fewer stipulations than their competition.

Physician Home Mortgage Experts In Kirkland Washington

If you are looking for a physician mortgage in Kirkland Washington then you came to the perfect place.

You’ve worked 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 specifically for doctors?

Yup, doctors get their own home loan!

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

We understand the personal financial demands of your student loan financial obligation, and how vital it is to preserve working capital for when the time is right with launching your career. Whether you are a couple years into practice, or a well established doctor, you can depend on us to find a mortgage loan that is specially tailored for your needs.

Many physicians in Kirkland Washington may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or very little to no work history.

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

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

Benefits of Physician Home Mortgage Loans

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

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

Should You Put Cash Down?

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

Our lenders can do the math for you and show you what each scenario looks like and the advantages of each too.

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

Furthermore, don’t overlook that having equity in your home will likely provide more security and flexibility, particularly if something unplanned happens. With the 100% financed physician mortgage loan, you should anticipate to begin under water. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially large check for as much as 10% of the purchase price just to get out of the house.

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

Doctors, get the home of your dreams with our Kirkland Washington physician home mortgage program!

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

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