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What Makes A Physician Loan Special?

There are five unique ways that make physician home loans the most practical choice.

Zero Down Payment

Low or Zero Down Payment 0-10% is typical

Faster Closing

Ability to close 90 days prior to new employment beginning.

Uncounted Student Loan Debt

Student loan debt not counted against you, allowing to qualify for a nicer home.

No Private Mortgage

Saving you up to 1% annually. $10,000 per year savings on a 1 million dollar home.

Higher Loan Limit

Higher loan limits up to 5 million are available typically at the same rate

What do the banks get out of this?

Rate and fees on these loans can be slightly higher than loans that require 20% down and years in current employment position

Some banks require you to have a checking or savings account with them

A future high income earning client

Who qualifies

Physician home loans are tailored to meet the needs of those in the medical field. Many mortgage companies understand that medical professionals face unique challenges and have designed special programs with more favorable terms to help make homeownership possible.

The key advantage of a physician home loan is that it doesn’t take into account any student debt you may have accumulated during your medical studies. Because the debt won’t be counted against you, you may qualify for a larger loan amount and have access to more favorable terms than traditional mortgage programs can provide.

Physician home loans also tend to offer lower down payment options, allowing you to conserve your finances and invest in other areas of life. Additionally, many of these loans come with no private mortgage insurance (PMI) requirement, which can save you hundreds of dollars each month.

With a range of special loan options tailored to meet the needs of medical professionals, Dentist, Podiatrist, Optometrist, Pharma D, Physician Assistant, CRNA, Nurse Practitioner and Veterinarian, physician home loans are an excellent way for doctors and other healthcare practitioners to access homeownership without working around their student debt.

If you are a physician and thinking about buying a home, be sure to look into what these mortgages have to offer. You may find that the savings can make all the difference in achieving your homeownership goals.

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