Your Dream Home, Our Expertise
Experience a streamlined home loan process designed with doctors in mind. Our team of expert lenders are here to make your home buying experience effortless and rewarding.
What Are Doctor Loans?
Doctor loans, also known as physician mortgages, are uniquely crafted for medical professionals like you—whether you’re a new resident, a practicing physician with significant student loan debt, or someone with limited funds for a down payment.
These specialized loans were introduced nearly two decades ago when a few forward-thinking banks recognized the financial stability and strong earning potential of doctors. Today, while still offered by only a select few lenders, doctor loans come with exclusive benefits, including:
- Student Loan Flexibility: Your student loans are calculated differently, easing your debt-to-income ratio compared to conventional mortgages.
- Low or No Down Payments: Achieve homeownership with minimal upfront costs.
- No Private Mortgage Insurance (PMI): Save more by avoiding unnecessary insurance premiums.
- Flexible Rate Options: Choose between fixed or variable interest rates to best fit your financial goals.
What’s more, you can use an employment contract as proof of income, enabling you to begin the home-buying process before you even start your new position.
Every doctor’s financial journey is unique. Have questions about your specific home loan needs? We’re here to guide you every step of the way.
with Loan Officers
Physician Mortgage – Should I Buy Down the Rate With Points?
Physician mortgage loans offer several attractive benefits, including low down payment requirements, a straightforward income verification process, and no PMI. These advantages make physician loans an appealing option for many doctors. As a borrower, you might be tempted to buy down your interest rate to lower your overall mortgage costs—but...
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Doctor Loan Mortgage – What is a Jumbo Loan?
When it comes to purchasing a home, especially in today’s competitive real estate market, you may find that the property you’re interested in exceeds the typical loan limits set by conventional mortgage programs. This is where jumbo loans come into play. But what exactly is a jumbo loan, and how...
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What is Mortgage Amortization?
The journey to financial freedom can be a long one, but purchasing a home early in your life is one way to accelerate your progress. A key concept to understand as you embark on this journey is mortgage amortization. While the term “amortization” might sound a bit intimidating, it’s actually...
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