Physician Mortgage Roswell 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 our clients are a first time home buyer or buying a new home in Roswell Georgia, our vetted loan officers have a strong understanding of the local area real estate market and what it really takes to close your physician home loan with competency and know-how.

Our loan officers in Roswell Georgia provide special financing for doctors, exactly like you.

First off, let’s talk about why physician mortgage loans even exist. The reason is that doctors are really 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 secure early career doctors by loaning them more money with far fewer requirements than their competitions.

Physician Loan Experts In Roswell Georgia

If you are looking for a physician mortgage in Roswell Georgia 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 special loan program put together just for doctors in the home buying process.

We recognize the economic demands of your student loan debt, and how vital it is to preserve 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 home loan that is specifically tailored for your needs.

Many doctors in Roswell 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 factors smart lenders know that doctors are a good bet considering that they typically have an extremely low nonpayment rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banking institutions that do just simply talking to the best mortgage officer makes an enormous difference.

Advantages of Physician Mortgage Loans

  • Usually does not include student loan monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve an agreement as proof of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

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

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

In most cases, you’ll get your home loan paid off earlier and save thousands on interest too.

Furthermore, don’t forget that having equity in your house will most likely provide more security and overall flexibility, specifically if something unanticipated happens. With the 100% financed physician mortgage loan, you ought to anticipate to begin 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 house.

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

Doctors, get the home of your dreams with our Roswell 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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