Physician Mortgage Roanoke Virginia

Preferred Physician Loan Officer

Bob Hall
NMLS# 658867
Mobile: (404) 432-1006
Email: bob.hall@suntrust.com
Website: www.suntrust.com/bob.hall

  • Designed to meet the unique financial needs of Licensed Residents, Interns, Fellows in MD, DO, and DPM programs and licensed Physicians and Dentists (MD, DO, DPM, DDS, DMD).
  • No Mortgage Insurance regardless of the LTV
  • 100% financing – loan amounts up to $750,000 with zero down payment
  • 95% financing – loan amounts from $750,001 to $1,000,000 require a 5% down payment
  • 89.99% financing – loan amounts from $1,000,0001 to $1,500,000 require a 10.01% down payment
  • ZERO PMI EVEN WHEN THE LTV IS OVER 80%
  • Max Loan amount for Residents, Interns and Fellows is $750,000
  • Gifts/employer loans/seller contributions allowed depending on specific program availability and requirements
  • In some states, the Doctor Loan requires a pre-existing SunTrust deposit account relationship. If the borrower does not have the pre-existing SunTrust deposit account relationship in those states then they might qualify for the Premier Mortgage. The Premier Mortgage offers jumbo financing over 80% with zero mortgage insurance.

Find out more by contacting Bob Hall at bob.hall@suntrust.com and/or (404) 432-1006. More details and the online application is located at www.suntrust.com/bob.hall

Get Your Physician Loan Rates Now by Completing the Form Below.

Whether you are a first time home buyer or purchasing a new home in Roanoke Virginia, our vetted loan officers have a solid understanding of the local real estate industry and what it requires to close your physician home mortgage with competency and expertise.

Our loan officers in Roanoke Virginia provide exclusive financing for doctors, like you.

First off, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are very profitable clients 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 stipulations than their competition.

Physician Home Loan Experts In Roanoke Virginia

If you are searching for a physician loan in Roanoke Virginia 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 specifically for doctors?

Yup, doctors get their own mortgage!

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

We are aware of the financial demands of your student loan financial obligation, 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 rely on us to find a mortgage loan that is exclusively tailored for your needs.

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

Despite these factors smart loan providers know that doctors are a good bet due to the fact that they typically have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

Not all mortgage lenders offer this specialized product and within banks that do simply speaking with the right mortgage loan officer makes an enormous difference.

Advantages of Physician Home Loans

  • Typically does not include student loan regular monthly payments in debt-to-income percentage.
  • 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 accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

Buying a home 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 considering delaying until you have the money?

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

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

Additionally, don’t forget that having equity in your house will definitely provide greater security and overall flexibility, particularly if something unexpected happens. With the 100% financed physician home mortgage loan, you ought to anticipate to begin under water. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for as much as 10% of the purchase price simply to get out of the home.

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

Doctors, get the home of your dreams with our Roanoke Virginia physician loan program!

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