Home Mortgage For Physicians In Marysville Washington

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

Our loan officers in Marysville Washington provide special financing for doctors, just like you.

First, let’s talk about 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 a fewer number of terms than their competitions.

Physician Mortgage Experts In Marysville Washington

If you are looking for a physician home loan in Marysville Washington 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 only for doctors?

Yup, doctors get their own mortgage!

A physician loan is a specialized loan program put together just for doctors in the home buying process.

We understand the personal financial demands of your student loan debt, and how essential it is to preserve working capital for when the time is right with launching your career. Whether or not you are a couple years into practice, or a well established doctor, you can rely on us to find a home loan that is specifically tailored for your needs.

Many doctors in Marysville Washington 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 factors smart lending institutions know that doctors are a good choice because they traditionally have an incredibly low default rate on loans, high earning potential and stable jobs.

Not all lenders offer this specialized product and within banks that do simply speaking to the right mortgage loan officer makes a significant difference.

Benefits of Physician Home Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept a contract as proof of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

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

Our loan providers can do the math for you and show you what each circumstance looks like and the benefits of each too.

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

Additionally, don’t overlook that having equity in your house will definitely provide more security and overall flexibility, particularly if something unplanned happens. With the 100% financed physician home mortgage loan, you ought to expect to start out under water. If something does not 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 simply to get out of the home.

Regardless of whether you are relocating down the street, across town or across the country, we are available to lend a hand you throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Marysville Washington physician home loan program!

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