Physician Home Loan Program In Savannah Georgia

Regardless of whether our clients are a first time home buyer or buying a new home in Savannah Georgia, our vetted loan officers have a solid understanding of the local real estate industry and what it takes to close your physician home mortgage with competency and expertise.

Our loan officers in Savannah Georgia provide special financing for doctors, just like you.

First and foremost, let’s talk about why physician mortgage loans even exist. The reason is that doctors are really 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 lock in early career doctors by lending them more money with far fewer terms than their competitors.

Physician Loan Experts In Savannah Georgia

If you are trying to find a physician mortgage in Savannah Georgia then you came to the right place.

You’ve worked very hard to become a doctor and buying home should not 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 only for doctors?

Yup, doctors get their own mortgage!

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

We are aware of the economic demands of your student loan financial debt, and how important it is to preserve working capital for when the time is right with starting your career. Whether or not you are a couple years into practice, or a well established doctor, you can count on us to find a mortgage loan that is specifically tailored for your needs.

A large number of physicians in Savannah Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or very little to no work history.

Despite these factors smart loan providers know that doctors are a good choice considering that they generally have an exceptionally low default rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banking institutions that do just simply talking to the right mortgage loan officer makes an enormous difference.

Benefits of Physician Home Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not call for 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, that don’t yet exist.

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

Should You Put Cash Down?

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

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

Furthermore, don’t forget that having equity in your home will provide more security and flexibility, specifically if something unexpected happens. With the 100% financed physician mortgage loan, you ought to expect to begin underwater. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially big check for as much as 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 assist you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Savannah Georgia 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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