Physician Home Loan Marietta Georgia

Benefits of a Physician Loan

  • Zero or Low Down Payment 0-10% is typical.
  • No Private Mortgage Insurance(PMI) saving you up to 1% annually. That is a $10,000 per year savings on a 1 million dollar home.
  • Student loan debt not counted against you. This allows you to qualify for a nicer home.
  • Higher loan limits up to 2 million are available typically at the same rate.
  • Ability to close 90 days prior to new employment beginning. Moving is stressful enough without starting a new job. Why move twice or pay huge premiums for long term housing.
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Whether or not you are a first time home buyer or purchasing a new home in Marietta Georgia, our vetted loan officers have a strong understanding of the local real estate market and what it requires to close your physician loan with efficiency and expertise.

Our loan officers in Marietta Georgia provide 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 really 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 secure early career doctors by lending them more money with fewer stipulations than their competitions.

Physician Home Loan Experts In Marietta Georgia

If you are searching for a physician loan in Marietta Georgia then you came to the right place.

You’ve trained very hard to become a doctor and purchasing home shouldn’t 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 loan!

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

We are aware of the economic demands of your student loan financial obligation, and how vital it is to preserve working capital for when the time is right with starting your career. Whether you are a couple years into practice, or a well established doctor, you can rely on us to find a mortgage loan that is exclusively tailored for your needs.

A lot of physicians in Marietta Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or minimal to no work history.

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

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

Advantages of Physician Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Usually does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve a contract as evidence 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 need to drain your time.

Should You Put Money Down?

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

Our lenders can do the math for you and show you what each situation looks like and the advantages of each too.

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

Furthermore, don’t forget that having equity in your home will likely offer greater security and flexibility, especially if something unexpected happens. With the 100% financed physician mortgage loan, you ought to expect to start out under water. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially big check for up to 10% of the purchase price just to get out of the home.

No matter if you’re relocating down the road, across town or across the country, we are here to lend a hand you throughout the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Marietta Georgia physician loan program!

Less than an hour ago, doctors just like you requested a loan from the locations listed below.

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