We specialize in connecting physicians with doctor loans.
We Want to Help You Find a Home
If you’re thinking about buying a home, you may wonder whether you need a real estate agent. There are plenty of resources for a buyer these days, from online search sites to how-to guides. But an agent has something no buyer – particularly a first-time buyer – does: a wealth of experience. An agent will work as an advocate on your behalf and, in most cases, will get you a better deal than you could get yourself.
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What is a Doctor Home Loan?
A doctor loan often requires no down payment or private mortgage insurance (PMI). Avoiding mortgage insurance can typically save hundreds per month in a mortgage payment. Most of the time a person would have to put at least 20% down to avoid mortgage insurance. In addition, doctor loans may not include student loans in the debt ratio calculation. This is important because many residents and fellows would not qualify for a mortgage loan or would have to get a less expensive home if student loans were included in their debt ratio. In order to qualify for doctor loans, some banks require the physician to open an account at the bank from which the mortgage is paid. Depending on the down payment made, some of these programs offer loans into the multi-million dollar range. Typically, they loans are only for primary, owner-occupied properties, but some are available for second homes. They can be used for purchase and often for refinance or construction as well.
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DC Metro Area’s #1 Team
The Keri Shull Team offers industry leading buyer and seller guarantees to ensure your total satisfaction. Plus, we currently have over 160 off-market properties that are exclusive to our clients.
