Home Mortgage For Physicians In San Antonio Texas

Regardless if our clients are a first time home buyer or purchasing a new home in San Antonio Texas, our vetted loan officers have a strong understanding of the local area real estate market and what it requires to secure your physician home mortgage with proficiency and know-how.

Our loan officers in San Antonio Texas offer specialized financing for doctors, like you.

First, let’s discuss why physician mortgage loans even exist. The reason is that doctors are extremely profitable clients 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 lot fewer stipulations than their competitions.

Physician Mortgage Experts In San Antonio Texas

If you are looking for a physician home loan in San Antonio Texas then you came to the perfect place.

You’ve trained very hard to become a doctor and buying 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 specifically for doctors?

Yup, doctors get their own mortgage!

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

We understand the personal financial demands of your student loan debt, and how crucial it is to preserve working capital for when the time is right with embarking upon your career. No matter if 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.

A lot of doctors in San Antonio Texas 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 financial institutions know that doctors are a good choice because they typically have an exceptionally 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 best mortgage officer makes a remarkable difference.

Benefits of Physician Home Loans

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

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

Should You Put Money Down?

What if you have some cash to put down or are looking at waiting until you have the funds?

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

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

Additionally, don’t forget that having equity in your house will most likely provide greater security and flexibility, specifically if something unforeseen happens. With the 100% financed physician home mortgage loan, you should expect to begin underwater. 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 as much as 10% of the purchase price simply to get out of the house.

No matter if you’re relocating down the street, across town or across the country, we are available to work with you all throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our San Antonio Texas physician home mortgage program!

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

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