We specialize in connecting physicians with doctor loans.

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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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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.

SEE MORE VIDEOS

Navigating the Physician Mortgage Process Like a Pro!

Navigating the physician mortgage process like a pro, 10 tips for a stress-free home loan. You know, nowadays the industry is so regulated, few and far between are the differences. A lot of times lenders have kind of the same options, some niche products here and there, but the process can really be stressful for [...]

10 Tips to Sell Your Home

Hi, this is Mikki Ramey with Healthy Realty. I'm the broker and owner of Healthy Realty. We designed our company specifically with the needs of healthcare professionals in mind. Here are ten tips to sell your home. All right. So tip number one timing, create a sold by goal. It's very important when you list [...]

10 Tips to Get Out of Debt as a Physician

My name is Andrew Reina. I'm one of the owners of Voya Financial Advisors at 3 Broad Street downtown. We've been working with the medical school, the dental school and the pharmacy school in one capacity or another for a little over four and a half years now. There's not too much you guys can [...]

10 Ways to Become a Real Estate Investor NOW

Hi, this is Mikki Ramey with Healthy Realty. I'm the broker and owner of Healthy Realty. We designed our company specifically with the needs of healthcare professionals in mind. Most of you are interested in becoming a real estate investor - medical students, residents, pharmacy students, dental students, and those of you in training. So [...]

Top 10 Ways to Make Money on the Interview Trail

One of the first things I want to stress is one of the best ways to make money is by saving money and not spending it. So I'm going to give you a lot of great tips on how to do that tonight. Second point I want to make is no one cares about your [...]

Should Residents Avoid Buying a Home?

Interview of Dr. John Ramey by Josh Mettle. Watch the full video here JM: Couple of thoughts. I agree with you, it's absolutely an individual decision, and I think that the comments on some of the websites that just talk about "avoid buying" a house as a resident misses the mark just a little bit, [...]