Physician Home Loan Winston Salem North Carolina

Benefits of a Physician Loan

  • Zero or Low Down Payment 0-10% is typical.
  • No Private Mortgage Insurance(PMI) saving you up to 1% annually. That is a $10,000 per year savings on a 1 million dollar home.
  • Student loan debt not counted against you. This allows you to qualify for a nicer home.
  • Higher loan limits up to 2 million are available typically at the same rate.
  • Ability to close 90 days prior to new employment beginning. Moving is stressful enough without starting a new job. Why move twice or pay huge premiums for long term housing.
Get Your Physician Loan Rates Now by Completing the Form Below.

Please complete the reCAPTCHA.

Your application has been received! We will be in touch with you shortly.

Whether or not you are a first time home buyer or purchasing a new home in Winston Salem North Carolina, our vetted loan officers have a strong understanding of the local real estate industry and what it takes to secure your physician home loan with efficiency and know-how.

Our loan officers in Winston Salem North Carolina offer exclusive financing for doctors, exactly like you.

To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are really 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 secure early career doctors by loaning them more money with a lot fewer terms than their competitions.

Physician Loan Experts In Winston Salem North Carolina

If you are searching for a physician mortgage in Winston Salem North Carolina then you came to the perfect place.

You’ve worked 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 only for doctors?

Yup, doctors get their own home loan!

A physician loan is a specialized loan program created just for doctors in the home buying process.

We are aware of the personal financial demands of your student loan liability, and how important it is to maintain 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 exclusively tailored for your needs.

Many doctors in Winston Salem North Carolina 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 reasons smart lending institutions know that doctors are a good choice considering that they traditionally have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banks that do just simply speaking to the right mortgage loan officer makes an enormous difference.

Benefits of Physician Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Usually 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 have to drain your time.

Should You Put Money Down?

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

Our mortgage lenders 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 mortgage loan paid off sooner and save thousands of dollars on interest rates too.

Furthermore, don’t overlook that having equity in your home will definitely offer greater security and flexibility, particularly if something unanticipated happens. With the 100% financed physician home mortgage loan, you should expect to start out 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 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 through the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Winston Salem North Carolina physician home mortgage program!

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

  • Physician Mortgage In Urbandale Iowa
  • Physician Home Loan Council Bluffs Iowa
  • Physician Home Loan Program In Brooklyn Park Minnesota
  • Home Mortgage For Physicians In Huntersville North Carolina
  • Physician Mortgage In Pompano Beach Florida
  • Physician Loan In Taylor Michigan
  • Physician Mortgage Peoria Illinois
  • Home Mortgage For Physician Passaic New Jersey
  • Physician Home Loan Program In Louisville Kentucky
  • Home Mortgage For Physicians In Fort Collins Colorado