Physician Home Loan Program In San Francisco 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 or not you are a first time home buyer or purchasing a new home in San Francisco California, our vetted loan officers have a solid understanding of the local real estate industry and what it requires to secure your physician home loan with proficiency and expertise.

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

To start with, let’s discuss why physician mortgage loans even exist. The reason is that doctors are really profitable customers for lenders. 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 lending them more money with fewer requirements than their competitions.

Physician Mortgage Experts In San Francisco California

If you are trying to find a physician loan in San Francisco California then you came to the right place.

You’ve trained 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 mortgage!

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

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

A lot of 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 financial obligation or little to no work history.

Despite these reasons smart financial institutions know that doctors are a good choice due to the fact that they traditionally have an extremely low default 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 home loan officer makes an enormous difference.

Advantages of Physician Mortgage Loans

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

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

Should You Put Cash Down?

Suppose you have some cash 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 scenario looks like and the benefits of each too.

In most situations, 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 more security and overall flexibility, especially if something unplanned 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 large 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 right here to work with you through the physician home mortgage process:: because you deserve it!

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

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