Physician Loan In Middletown Ohio

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 buying a new home in Middletown Ohio, our vetted loan officers have a solid understanding of the local area real estate market and what it requires to close your physician home loan with competency and know-how.

Our loan officers in Middletown Ohio offer special financing for doctors, exactly like you.

First, let’s discuss why physician mortgage loans even exist. The reason is that doctors are extremely 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 secure early career doctors by loaning them more money with fewer stipulations than their competitors.

Physician Home Loan Experts In Middletown Ohio

If you are trying to find a physician loan in Middletown Ohio 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 mortgage!

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

We recognize the budgetary demands of your student loan financial debt, and how essential it is to preserve working capital for when the time is right with starting your career. No matter if you are a couple years into practice, or a well established doctor, you can depend on us to find a home loan that is specially tailored for your needs.

Quite a few physicians in Middletown Ohio may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or minimal to no work history.

Despite these reasons smart lending institutions know that doctors are a good choice considering that they typically have an exceptionally low default rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banks that do simply speaking to the best mortgage officer makes a remarkable difference.

Advantages of Physician Home Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Usually does not call for private mortgage insurance (PMI), even if 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.

Buying a home doesn’t have to empty your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

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

Our mortgage lenders can do the math for you and show you what each scenario looks like and the benefits of each too.

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

Additionally, don’t forget that having equity in your house will provide greater security and flexibility, specifically if something unplanned happens. With the 100% financed physician home mortgage loan, you ought to expect to begin 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 house.

Regardless of whether you are moving down the street, across town or across the country, we are here to work with you throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Middletown Ohio physician home loan program!

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

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