Physician Home Loan Stockton 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.

Regardless if you are a first time home buyer or purchasing a new home in Stockton California, our vetted loan officers have a strong understanding of the local area real estate industry and what it requires to secure your physician loan with competency and expertise.

Our loan officers in Stockton California provide specialized financing for doctors, exactly like you.

First off, let’s discuss why physician mortgage loans even exist. The main 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 a lot fewer requirements than their competitors.

Physician Home Loan Experts In Stockton California

If you are looking for a physician mortgage loan in Stockton California then you came to the perfect place.

You’ve worked very hard to become a doctor and buying 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 mortgage!

A physician loan is a customized loan program developed just for doctors in the home buying process.

We are aware of the financial demands of your student loan liability, and how crucial it is to preserve working capital for when the time is right with embarking upon your career. Regardless 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.

Quite a few doctors in Stockton California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or minimal to no work history.

Despite these reasons smart lenders know that doctors are a good bet due to the fact that they generally have an extremely low nonpayment rate on loans, high earning potential and stable jobs.

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

Advantages of Physician Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires very low 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, in lieu 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?

Suppose you have some funds to put down or are considering waiting until you have the funds?

Our loan providers can do the math for you and show you what each situation looks like and the advantages of each too.

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

Furthermore, don’t overlook that having equity in your house will definitely offer more security and flexibility, specifically if something unforeseen happens. With the 100% financed physician home mortgage loan, you ought to anticipate to begin under water. If something doesn’t work out and you’re forced to sell quickly, you should 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 relocating down the street, across town or across the country, we are here to work with you all throughout the physician home loan process:: because you deserve it!

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

Less than an hour ago, doctors just like you requested a loan from the locations listed below.

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