Home Mortgage For Physician Valdosta Georgia

Preferred Physician Loan Officer

Bob Hall
NMLS# 658867
Mobile: (404) 432-1006
Email: bob.hall@suntrust.com
Website: www.suntrust.com/bob.hall

  • Designed to meet the unique financial needs of Licensed Residents, Interns, Fellows in MD, DO, and DPM programs and licensed Physicians and Dentists (MD, DO, DPM, DDS, DMD).
  • No Mortgage Insurance regardless of the LTV
  • 100% financing – loan amounts up to $750,000 with zero down payment
  • 95% financing – loan amounts from $750,001 to $1,000,000 require a 5% down payment
  • 89.99% financing – loan amounts from $1,000,0001 to $1,500,000 require a 10.01% down payment
  • ZERO PMI EVEN WHEN THE LTV IS OVER 80%
  • Max Loan amount for Residents, Interns and Fellows is $750,000
  • Gifts/employer loans/seller contributions allowed depending on specific program availability and requirements
  • In some states, the Doctor Loan requires a pre-existing SunTrust deposit account relationship. If the borrower does not have the pre-existing SunTrust deposit account relationship in those states then they might qualify for the Premier Mortgage. The Premier Mortgage offers jumbo financing over 80% with zero mortgage insurance.

Find out more by contacting Bob Hall at bob.hall@suntrust.com and/or (404) 432-1006. More details and the online application is located at www.suntrust.com/bob.hall

Get Your Physician Loan Rates Now by Completing the Form Below.

Whether you are a first time home buyer or purchasing a new home in Valdosta Georgia, our vetted loan officers have a strong understanding of the local real estate industry and what it really takes to close your physician mortgage with efficiency and know-how.

Our loan officers in Valdosta Georgia offer special financing for doctors, like you.

To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are very profitable clients 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 fewer stipulations than their competitors.

Physician Home Mortgage Experts In Valdosta Georgia

If you are looking for a physician loan in Valdosta Georgia then you came to the perfect place.

You’ve worked very hard to become a doctor and buying home should not 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 home loan!

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

We are aware of the financial demands of your student loan financial obligation, and how important it is to maintain working capital for when the time is right with launching your career. Whether 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.

Many doctors in Valdosta Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or very little to no work history.

Despite these factors smart lenders know that doctors are a good choice due to the fact that they typically have an incredibly low default rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do simply speaking to the right mortgage officer makes a significant difference.

Advantages of Physician Mortgage Loans

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

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

Should You Put Money Down?

Suppose you have some money to put down or are looking at delaying 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 instances, you’ll get your home loan paid off sooner and save thousands on interest too.

Furthermore, don’t overlook that having equity in your house will likely provide greater security and flexibility, particularly if something unplanned happens. With the 100% financed physician home mortgage loan, you ought to expect to begin 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 up to 10% of the purchase price just to get out of the home.

Whether you are relocating down the street, across town or across the country, we are here to help you through the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Valdosta Georgia physician home loan program!

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