Physician Home Loan Program Macon Georgia

Whether you are a first time home buyer or purchasing a new home in Macon Georgia, our vetted loan officers have a strong understanding of the local area real estate market and what it takes to secure your physician mortgage with competency and know-how.

Our loan officers in Macon Georgia offer exclusive financing for doctors, like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The reason is that doctors are extremely profitable clients for lending institutions. 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 lot fewer terms than their competitions.

Physician Loan Experts In Macon Georgia

If you are trying to find a physician home loan in Macon Georgia 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 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 home loan!

A physician mortgage is a specialized loan program created just for doctors in the home purchasing process.

We understand the budgetary demands of your student loan liability, and how vital 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 mortgage loan that is specifically tailored for your needs.

Quite a few doctors in Macon Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or little to no work history.

Despite these reasons smart loan providers know that doctors are a good choice due to the fact that they traditionally have an incredibly low default rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banks that do just simply consulting with the best home loan officer makes a remarkable difference.

Advantages of Physician Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept a contract as proof of future earnings, instead of pay stubs or W-2s, which 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 Money Down?

Suppose 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 situation looks like and the benefits of each too.

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

Additionally, don’t forget that having equity in your home will most likely provide greater security and overall flexibility, particularly if something unplanned happens. With the 100% financed physician home mortgage loan, you should expect to start out underwater. If something does not 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 simply to get out of the house.

No matter if you’re moving down the street, across town or across the country, we are here to help you all throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Macon Georgia 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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