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I began doing mortgages in 1999 and I have done 100’s of mortgage loans for doctor families over the years. Being married to a doctor myself for the past 15 years I have a first hand perspective on the contracts, student loans, and the unique needs and circumstances your family faces.
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Regardless of whether you are a first time home buyer or buying a new home in Texas, our vetted loan officers have a strong understanding of the local real estate market and what it takes to secure your physician mortgage with proficiency and know-how.
Our loan officers in Texas provide specialized financing for doctors, exactly like you.
To start with, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are very profitable clients for lending institutions. They take out big loans early in their careers and almost always pay them off. Lenders use doctor loans to secure early career doctors by loaning them more money with fewer terms than their competitors.
If you are looking for a physician home loan in Texas then you came to the right place.
You’ve worked very hard to become a doctor and purchasing home really should not be nearly as challenging.
Did you know there is a special loan that makes it easy for physicians to buy a home?
A home loan only for doctors?
Yup, doctors get their own mortgage!
A physician loan is a customized loan program made just for physicians in the home buying process.
We recognize the economic demands of your student loan financial debt, and how crucial it is to maintain working capital for when the time is right with launching your career. Whether or not you are a couple years into practice, or a well established physician, you can count on us to find a home loan that is specifically tailored for your needs.
A large number of physicians in Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or little to no work history.
Despite these factors smart lenders know that doctors are a good choice due to the fact that they traditionally have an incredibly low nonpayment 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 a remarkable difference.
Purchasing a home doesn’t need to drain your savings and the process doesn’t have to drain your time.
Suppose you have some cash to put down or are looking at delaying until you have the funds?
Our lenders can do the math for you and show you what each circumstance looks like and the advantages of each too.
In most cases, you’ll get your mortgage paid off sooner and save thousands on interest too.
Furthermore, don’t overlook that having equity in your home will likely provide more security and overall flexibility, especially if something unplanned happens. With the 100% financed physician mortgage loan, you should expect to start out under water. If something does not work out and you’re forced to sell quickly, you need to be prepared to write a potentially sizable check for up to 10% of the purchase price simply to get out of the home.
Whether you are relocating down the road, across town or across the country, we are here to assist you all throughout the physician home mortgage process:: because you deserve it!
Doctors, get the house of your dreams with our Texas physician home mortgage program!
Top cities in Texas for a physician loan.