Physician Home Loan Program In Louisville Kentucky

Preferred Physician Loan Officer

Bill Lavelle
NMLS# 712886
Mobile: (614) 563-4086 / 1-800-761-0194
Email: Bill.Lavelle@BankAtFirst.com
Website: www.BillLavelle.com

  • $0 Down with No PMI insurance up to a loan amount of $750,000
  • 5% Down with No PMI insurance for a loan amount of $750,001 – $1 Million
  • Can close on loan up to 90 days before starting new employment with a copy of executed offer & acceptance
  • 30 Year Fixed option as well as a full suite of ARM products
  • Purchase, Construction, or Refinance
  • Permanent Resident Aliens are allowed. A Green Card (INS Form I-551) is required.
  • Eligible Professions: Physicians, Medical Residents, Interns and fellowship doctors, Dentists, Chiropractors, Veterinarians, CRNA/PA-C

I have spent most of my professional career as a mortgage loan officer, both with major banks and mortgage companies, and can truly say “I love working with home buyers to help make their dream of home ownership come true. Whether FHA or VA buyers, conforming or non-conforming, conventional or jumbo, construction or professional loan programs, I have worked with them all and know them inside and out. Accolades… sure I have them…

Ranked the #1 mortgage loan officer in the State of Ohio for construction / purchase origination in 2012, 2013, 2014, 2015, & 2016 with over $100 million in loans closed each year.
* Per top loan officer rankings by Mortgage Industry publication Scotsman Guide.

…but the satisfaction of helping each individual client is what is important to me. If you need a lender who will work tirelessly to get your deal closed then look no further. Message or call me anytime and I will be glad to help.

Thinking of building or buying, call me first to find the perfect loan program for you.

Get Your Physician Loan Rates Now by Completing the Form Below.

Whether our clients are a first time home buyer or purchasing a new home in Louisville Kentucky, our vetted loan officers have a strong understanding of the local real estate market and what it really requires to close your physician home mortgage with competency and know-how.

Our loan officers in Louisville Kentucky offer exclusive financing for doctors, like you.

First, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are very profitable customers for financial 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 far fewer terms than their competitions.

Physician Home Loan Experts In Louisville Kentucky

If you are trying to find a physician home loan in Louisville Kentucky then you came to the right place.

You’ve worked 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 only for doctors?

Yup, doctors get their own loan!

A physician home loan is a customized loan program created just for doctors in the home buying process.

We understand the budgetary demands of your student loan liability, and how important it is to maintain working capital for when the time is right with starting your career. Regardless if 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.

Many doctors in Louisville Kentucky may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or minimal to no work history.

Despite these reasons smart loan providers know that doctors are a good bet because they typically have an extremely low default rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banks that do just simply talking to the best mortgage officer makes an enormous difference.

Advantages of Physician Home Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not require 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 drain your savings and the process doesn’t have to drain your time.

Should You Put Cash Down?

What if you have some money to put down or are considering delaying until you have the cash?

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 on interest rates too.

Furthermore, don’t overlook that having equity in your home will definitely provide more security and flexibility, particularly if something unforeseen happens. With the 100% financed physician mortgage loan, you ought to expect to start out underwater. If something doesn’t 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 home.

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

Doctors, get the house of your dreams with our Louisville Kentucky 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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