Home Mortgage For Physicians In La Crosse Wisconsin

Regardless of whether you are a first time home buyer or buying a new home in La Crosse Wisconsin, our vetted loan officers have a solid understanding of the local area real estate market and what it really takes to close your physician home mortgage with efficiency and know-how.

Our loan officers in La Crosse Wisconsin offer specialized financing for doctors, just like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The reason is that doctors are extremely profitable clients 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 terms than their competition.

Physician Mortgage Experts In La Crosse Wisconsin

If you are searching for a physician loan in La Crosse Wisconsin then you came to the right place.

You’ve worked 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 loan!

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

We are aware of the economic 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. Regardless if you are a couple years into practice, or a well established doctor, you can rely on us to find a home loan that is exclusively tailored for your needs.

A large number of doctors in La Crosse Wisconsin 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 reasons smart loan providers know that doctors are a good bet due to the fact that they typically have an exceptionally low default rate on loans, high earning potential and stable jobs.

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

Benefits of Physician Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept a contract as proof 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 thinking about delaying until you have the money?

Our 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 home loan paid off sooner and save thousands of dollars on interest rates too.

Additionally, don’t overlook that having equity in your house will most likely offer greater security and overall flexibility, specifically if something unexpected happens. With the 100% financed physician home mortgage loan, you should anticipate to start out underwater. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially sizable check for up to 10% of the purchase price just to get out of the house.

Regardless of whether you’re relocating down the street, across town or across the country, we are available to lend a hand you through the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our La Crosse Wisconsin 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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