Since 2004, I've specialized in helping physicians and their families purchase homes. As a former, top producing mortgage loan officer at Bank of America, I have helped over 9,000 physicians find the best mortgage to meet their needs.
High loan-to-value doctor loan programs exist because credit worthy physicians have proven they are a safe risk, even with hundreds of thousands of dollars in student loan debt.
It's pretty simple: banks maximize returns by mitigating risk. Banks have found the financial and credit profile of most physicians help them mitigage risk in the residential mortgage market. Physicians rarely default, and they pay their mortgage on time on a consistent basis.
Banks leave it up to individual loan officers to market the doctor loan program. Did you know that many loan officers might only work with 1-3 physicians, if they're lucky? Would you want a surgeon who only performs surgery 1-3 times a year? Let us help you find the best REALTOR and loan officers to help you navigate the process.