Physician Mortgage In Oxnard California

Preferred Physician Loan Officer

Carmen Mayell
NMLS# 779831
Mobile: (949) 257-2502
Email: carmen.mayell@flagstar.com
LinkedIn: www.linkedin.com/in/ccmayell
Instagram: #bocabanker

  • Providing specialized home loans for Medical and Dental Professionals and Specialists.
  • Loan amounts to $1.5MM / Little to no down payment options / No mortgage insurance
  • Able to serve clients in All 50 States! Questions answered without obligation.
Get Your Physician Loan Rates Now by Completing the Form Below.

Whether or not you are a first time home buyer or purchasing a new home in Oxnard California, our vetted loan officers have a solid understanding of the local area real estate industry and what it requires to close your physician home mortgage with efficiency and know-how.

Our loan officers in Oxnard California offer specialized financing for doctors, just like you.

First off, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are extremely profitable customers for lenders. 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 fewer number of terms than their competitors.

Physician Mortgage Experts In Oxnard California

If you are looking for a physician mortgage loan in Oxnard California then you came to the right place.

You’ve trained 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 just for doctors?

Yup, doctors get their own loan!

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

We recognize the economic demands of your student loan financial debt, and how vital 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 count on us to find a mortgage loan that is specially tailored for your needs.

A lot of doctors in Oxnard California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or very little to no work history.

Despite these reasons smart financial institutions know that doctors are a good choice because they historically have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

Not all banks offer this specialized product and within banking institutions that do simply speaking with the right home loan officer makes a tremendous difference.

Advantages of Physician Home Loans

  • Usually does not include student loan monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Usually 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, instead of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

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

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

In most instances, you’ll get your mortgage loan paid off sooner and save thousands on interest too.

Additionally, don’t forget that having equity in your home will provide greater security and overall flexibility, especially if something unplanned happens. With the 100% financed physician mortgage loan, you ought to anticipate to start out under water. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially sizable check for up to 10% of the purchase price just to get out of the house.

No matter if you’re relocating down the road, across town or across the country, we are available to assist you through the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Oxnard California physician home loan program!

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