Certified Residential Expert (CRE) Military Relocation Professional (MRP)
Accredited Staging Professional (ASP) Certified Home Marketing Specialist (CHMS)
Certified Negotiating Expert (CNE) International Real Estate Specialist (IRES)
Certified Doctors/Physicians Agent (DRS)
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Your valued medical career has placed you in the Alamo City in a joint effort to keep Texans healthy. I can address physician-specific issues encountered during the home buying process, which can potentially be the biggest purchase in your life, depending on how much money you borrowed to go to medical school. Home buying can be extremely confusing and difficult especially for younger physicians (and first time home buyers). Deciding whether to rent or buy should be determined based on your loan options, dependable lenders and knowledgeable real estate agents you choose. Whether you are securing your first home loan, just beginning to search or just unsure where to begin, I can help you navigate the buying process confidently and efficiently, saving you time and money.
Main Features of a Physicians Loan:
1. No PMI (Property Mortgage Insurance) despite down payment of less than 20%
2. Special treatment for the student loans (usually that they take only required payments into consideration)
3. Closing date will be before you actually start working (i.e.accepting a contract instead of pay stubs as evidence of future earnings).
A lot of home buying deals with disclosures, disclaimers and timelines in the best interests of the client and making sure the buyer fully understands the process. The knowledge of a realtor and their ability to negotiate multiple portions of the contract is also a factor to consider. Realtors have a better understanding of the market, know what items are negotiable and having their inputs on the local market is invaluable to the homebuyer.
Getting a loan with favorable terms can be difficult for those just out of med school with a large debt load, but with Physician's Loans, medical school debts are not counted against you. Residents, Fellows and New Practice Physicians qualify for Physicians Mortgage Loans. Banks are happy to offer because they know you will be a good client; the dedication that you have shown in schooling along with a fact of a promising higher income are testament to your financial character.