Dentist Home Loan Program Macon Georgia

Benefits of a Dentist Loan

  • Zero or Low Down Payment 0-10% is typical.
  • No Private Mortgage Insurance(PMI) saving you up to 1% annually. That is a $10,000 per year savings on a 1 million dollar home.
  • Student loan debt not counted against you. This allows you to qualify for a nicer home.
  • Higher loan limits up to 2 million are available typically at the same rate.
  • Ability to close 90 days prior to new employment beginning. Moving is stressful enough without starting a new job. Why move twice or pay huge premiums for long term housing.
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Whether you are a first time home buyer or buying a new home in Macon Georgia, our vetted loan officers have a solid understanding of the local real estate industry and what it takes to close your dentist mortgage with proficiency and know-how.

Our loan officers in Macon Georgia offer special financing for dentists, just like you.

First and foremost, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are really profitable clients for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use dentist home loans to secure early career dentists by loaning them more money with fewer terms than their competitions.

Dentist Home Loan Experts In Macon Georgia

If you are trying to find a dentist mortgage in Macon Georgia then you came to the right place.

You’ve worked very hard to become a dentist and purchasing home shouldn’t be nearly as challenging.

Did you know there is a special loan that makes it easy for dentists to buy a home?

A home loan only for dentists?

Yup, dentists get their own mortgage!

A dentist mortgage is a special loan program put together just for dentists in the home purchasing process.

We understand the economic demands of your student loan financial obligation, and how essential it is to maintain working capital for when the time is right with starting your dental career. Whether or not you are a couple years into practice, or a well established dentist, you can count on us to find a mortgage loan that is specifically tailored for your needs.

A large number of dental professionals in Macon Georgia may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or minimal to no work history.

Despite these reasons smart lending institutions know that dentists are a good choice because they typically have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banks that do simply speaking to the best home loan officer makes a tremendous difference.

Benefits of Dentist Home Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Purchasing a home doesn’t need to empty your savings and the process doesn’t need to drain your time.

Should You Put Cash Down?

What if you have some money to put down or are considering waiting until you have the money?

Our lenders can do the math for you and show you what each situation looks like and the benefits of each too.

In most situations, you’ll get your home loan paid off earlier and save thousands of dollars on interest too.

Furthermore, don’t overlook that having equity in your house will definitely provide greater security and overall flexibility, especially if something unplanned happens. With the 100% financed dentist home mortgage loan, you ought to expect to start out underwater. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially big check for up to 10% of the purchase price simply to get out of the house.

No matter if you’re moving down the street, across town or across the country, we are available to help you through the dentist home loan process:: because you deserve it!

Dentists, get the house of your dreams with our Macon Georgia dentist home loan program!