Physician Loan In San Bernardino 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 our clients are a first time home buyer or buying a new home in San Bernardino California, our vetted loan officers have a strong understanding of the local real estate market and what it really takes to secure your physician mortgage with efficiency and know-how.

Our loan officers in San Bernardino California offer specialized financing for doctors, exactly like you.

First, let’s discuss why physician mortgage loans even exist. The reason is that doctors are extremely 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 far fewer requirements than their competitors.

Physician Home Mortgage Experts In San Bernardino California

If you are trying to find a physician mortgage loan in San Bernardino California then you came to the perfect place.

You’ve trained very hard to become a doctor and purchasing home 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 mortgage!

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

We recognize the budgetary demands of your student loan liability, and how essential it is to maintain 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 count on us to find a home loan that is specifically tailored for your needs.

A lot of physicians in San Bernardino California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or little to no work history.

Despite these factors smart lenders know that doctors are a good choice due to the fact that they historically have an exceptionally low nonpayment rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banking institutions that do simply speaking with the best home loan officer makes an enormous difference.

Benefits of Physician Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Often does not necessitate private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve a contract as proof of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

Suppose you have some funds to put down or are thinking about delaying until you have the funds?

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 circumstances, you’ll get your mortgage paid off earlier and save thousands on interest too.

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

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

Doctors, get the home of your dreams with our San Bernardino California physician home mortgage program!

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