Physician Home Loan Program Leesburg Virginia

Regardless of whether you are a first time home buyer or buying a new home in Leesburg Virginia, our vetted loan officers have a solid understanding of the local area real estate industry and what it really requires to close your physician home loan with efficiency and expertise.

Our loan officers in Leesburg Virginia offer exclusive financing for doctors, like you.

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

Physician Home Mortgage Experts In Leesburg Virginia

If you are trying to find a physician mortgage loan in Leesburg Virginia then you came to the right place.

You’ve worked 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 only for doctors?

Yup, doctors get their own mortgage!

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

We recognize the economic demands of your student loan debt, and how essential 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 depend on us to find a home loan that is specifically tailored for your needs.

Quite a few physicians in Leesburg Virginia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or little to no work history.

Despite these reasons smart lending institutions know that doctors are a good choice considering that they traditionally have an exceptionally low nonpayment rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do simply talking with the right mortgage loan officer makes a remarkable difference.

Benefits 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).
  • Typically does not require private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

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

Our mortgage 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 home loan paid off earlier and save thousands on interest rates too.

Additionally, don’t forget that having equity in your house will likely provide more security and flexibility, especially if something unexpected happens. With the 100% financed physician home mortgage loan, you should expect to start out under water. If something does not work out and you’re forced to sell quickly, you need to be prepared to write a potentially large check for up to 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 here to assist you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Leesburg Virginia physician home mortgage program!

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