Physician Home Loan Program In San Francisco California

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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Regardless if our clients are a first time home buyer or purchasing a new home in San Francisco California, 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 competency and know-how.

Our loan officers in San Francisco California offer exclusive financing for doctors, just like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The reason is that doctors are very profitable customers for lending 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 competitors.

Physician Loan Experts In San Francisco California

If you are searching for a physician loan in San Francisco California then you came to the perfect place.

You’ve worked very hard to become a doctor and purchasing 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 just for doctors?

Yup, doctors get their own home loan!

A physician home loan is a specialized loan program put together just for doctors in the home purchasing process.

We recognize the financial demands of your student loan debt, and how important it is to maintain working capital for when the time is right with launching your career. Whether you are a couple years into practice, or a well established doctor, you can depend on us to find a home loan that is specially tailored for your needs.

Quite a few physicians in San Francisco California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or little to no work history.

Despite these factors smart lenders know that doctors are a good choice because they traditionally have an incredibly low default rate on loans, high earning potential and secure jobs.

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

Benefits of Physician Home Loans

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

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

Should You Put Money Down?

What if you have some money to put down or are looking at delaying until you have the money?

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

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

Furthermore, don’t overlook that having equity in your house will definitely provide more security and flexibility, particularly if something unexpected happens. With the 100% financed physician home mortgage loan, you should expect to start out underwater. If something does not work out and you are 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 are relocating down the road, across town or across the country, we are available to work with you all throughout the physician home loan process:: because you deserve it!

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

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