Physician Mortgage In Santa Ana 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 purchasing a new home in Santa Ana California, our vetted loan officers have a strong understanding of the local real estate industry and what it really requires to secure your physician mortgage with efficiency and expertise.

Our loan officers in Santa Ana California provide exclusive financing for doctors, just like you.

First, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are really profitable customers 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 lending them more money with a fewer number of requirements than their competitors.

Physician Home Loan Experts In Santa Ana California

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

You’ve trained very hard to become a doctor and purchasing home shouldn’t be nearly as challenging.

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 loan!

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

We are aware of the financial demands of your student loan liability, and how vital it is to maintain working capital for when the time is right with starting 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 specially tailored for your needs.

Many physicians in Santa Ana 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 loan providers know that doctors are a good choice because they historically have an incredibly low default rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banking institutions that do simply talking with the best mortgage loan officer makes a significant difference.

Benefits of Physician Home Loans

  • Usually 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), despite the fact that lower than 20 percent down payment.
  • Will approve an agreement as documentation 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 funds to put down or are considering delaying until you have the funds?

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 cases, you’ll get your mortgage loan paid off sooner and save thousands of dollars on interest rates too.

Additionally, don’t overlook that having equity in your house will most likely provide more security and overall flexibility, especially if something unplanned happens. With the 100% financed physician mortgage loan, you should anticipate to begin underwater. If something does not work out and you’re forced to sell quickly, you need to be prepared to write a potentially big check for up to 10% of the purchase price just to get out of the house.

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

Doctors, get the house of your dreams with our Santa Ana California physician loan program!

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