Category Archives: Dentists

7 Insiders Tactics- How to Pay Less And Still Get Your Offer Accepted

7 Insiders Tactics- How to Pay Less And Still Get Your Offer Accepted It’s no secret, getting your offer accepted in today’s hyper competitive real estate market is no simple task. Inventory is low in most areas of the country and the competition for the best homes in the best neighborhoods is fierce. Most buyers you will be competing against (and their Realtors) only know one way to compete, which of course is with price. But like any game, there … Read more

Do doctor mortgages have mortgage insurance and what is MI?

Do doctor mortgages have mortgage insurance and really, what is mortgage insurance? It’s funny, I get clients all the time that we get into discussions and they say, “I want to make sure we avoid mortgage insurance.” And I say, “Do you know what mortgage insurance is?” And they say, “No.” So let’s just start there. First of all, mortgage insurance is a premium that you pay as the buyer, that protects the mortgage company. Basically, the mortgage company says, … Read more

Dentists, orthodontists & oral surgeons can get a doctor mortgage

Yes, the great news is that dentists, orthodontists, oral surgeons and other dental professionals can qualify for a physician home loan. Here are some of the advantages our dentist mortgages offer: Able to close up to 60 days prior to the start of your employment contract Lender paid mortgage insurance Qualify with deferred or IBR student loans** 97% LTV*** financing up to $650,000 95% LTV financing up to $850,000 90% up to $1.5 million 100% financing up to $424,100 in … Read more

Are doctor construction loans available?

Are doctor construction mortgages available? Those would be loans that have special underwriting guidelines for doctors, and physicians, that are used to buy the land, and do the vertical construction of the home. That is a more onerous process when you talk about construction loans, because not only is the bank, or the institution, making the loan, giving you the money, but they also have to administer the draw process, make sure the general contractor’s work is up to par, … Read more

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