Physician Loan In Los Angeles 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 buying a new home in Los Angeles California, our vetted loan officers have a solid understanding of the local real estate industry and what it requires to secure your physician mortgage with proficiency and expertise.

Our loan officers in Los Angeles California offer specialized financing for doctors, exactly like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The reason is that doctors are very profitable customers 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 loaning them more money with a lot fewer stipulations than their competitions.

Physician Home Mortgage Experts In Los Angeles California

If you are trying to find a physician home loan in Los Angeles California then you came to the perfect place.

You’ve trained very hard to become a doctor and purchasing home really 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 home loan!

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

We recognize the budgetary demands of your student loan liability, and how essential it is to maintain 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 count on us to find a home loan that is specially tailored for your needs.

Quite a few doctors in Los Angeles California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or very little to no work history.

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

Not all banks offer this specialized product and within banking institutions that do simply consulting with the right mortgage officer makes a significant difference.

Advantages of Physician Home Mortgage Loans

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

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

Should You Put Money Down?

Suppose you have some money to put down or are thinking about delaying until you have the funds?

Our loan providers 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 too.

Additionally, don’t overlook that having equity in your home will offer more security and flexibility, especially if something unforeseen happens. With the 100% financed physician home mortgage loan, you ought to anticipate to start out under water. If something does not work out and you are forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price just to get out of the house.

Regardless of whether you are relocating down the road, 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 Los Angeles California physician home mortgage program!

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