Mortgages, Fifth Third Bank, physician mortgage loans.#Physician #mortgage #loans


Open the door to your dream home

Current Mortgage Rates

Traditional Mortgages

Features predictable and steady monthly payments with flexible loan terms.

Features predictable and steady monthly payments with flexible loan terms.

  • You’re planning to be in your home for awhile.
  • You’re looking for a mortgage that has a monthly payment you can rely on.
  • Your principal and interest payment will not change over the life of the loan
  • Flexible terms, based on your needs

Adjustable Rate Mortgage

Offers flexibility and initial lower payments and interest rates. 1

Adjustable Rate Mortgage

Offers flexibility and initial lower payments and interest rates. 1

  • You’re planning to be in your home for the short term.
  • You expect interest rates to remain stable or decline.
  • You want a lower initial monthly payment and don’t mind a variable interest rate.
  • Often a lower initial interest rate and payment
  • Flexible terms, based on your needs

FHA Loan

A great choice if you want to refinance or purchase a home with low down payment.

FHA Loan

A great choice if you want to refinance or purchase a home with low down payment.

  • You’re planning to be in your home for awhile.
  • You’re looking for a mortgage that has a monthly payment you can rely on.
  • Your principal and interest payment will not change over the life of the loan
  • Flexible terms, based on your needs

Specialized Mortgages

Physician Loan

Loans especially designed for residents, fellows, and new or established physicians.

Physician Loan

Loans especially designed for residents, fellows, and new or established physicians.

  • Finance up to $500,000 with no down payment required when purchasing a home – or up to $1 million with a low down payment
  • Fixed and Adjustable Rate Mortgage (ARM)* loans available
  • No Private Mortgage Insurance (PMI) required
  • Finance up to $650,000 with no down payment required when purchasing or refinancing – or up to $1.5 million with a low down payment
  • Fixed and Adjustable Rate Mortgage (ARM)* loans available
  • No Private Mortgage Insurance (PMI) required

VA Loan

For Veterans looking for a mortgage loan to buy a home, refinancing a non-VA loan to a VA loan or wanting to cash-out refinance VA mortgage loan.

VA Loan

For Veterans looking for a mortgage loan to buy a home, refinancing a non-VA loan to a VA loan or wanting to cash-out refinance VA mortgage loan.

  • You’re a U.S. military Veteran.
  • You’re currently serving in the military or military reserves/guard.
  • You may be eligible if you are a commissioned officer of the Public Health Service or the National Oceanic and Atmospheric Administration.
  • Little to no down payment
  • Fixed interest rate
  • Flexible loan terms
  • Purchase and refinance options

VA IRRRL Loan

For Veterans looking to refinance an existing VA home loan to get an interest rate reduction.

VA IRRRL Loan

For Veterans looking to refinance an existing VA home loan to get an interest rate reduction.

  • You’re looking for a VA to VA refinance reusing your original VA entitlement.
  • You do not want to receive any cash from this refinance.
  • You’re a U.S. military Veteran.
  • Low rates
  • No appraisal
  • No income verification
  • Fixed interest rate

Construction Loan

For those looking to build a new home.

Construction Loan

For those looking to build a new home.

  • Available for the construction of your primary residence
  • Fixed rate and ARM* loans available
  • Conforming and Jumbo Loan amounts available

Jumbo Loan

Jumbo Loan

  • You want to borrow more than $424,100
  • You would like to take advantage of today’s great rates
  • Financing on loans up to $2 million
  • Fixed rate and ARM* loans available

Home Possible В® Loan

Created for those with limited funds for a down payment or require more flexible funding options.

Home Possible В® Loan

Created for those with limited funds for a down payment or require more flexible funding options.

  • You have limited money available for a down payment.
  • Your income is at or below the median household income in your area.
  • You’re purchasing a home in an underserved area.
  • Low down payment options
  • Fixed rates, stable monthly payments
  • Reduced mortgage insurance premiums
  • Refinancing options available, no cash-out allowed

Related Services

Home Possible В® В is a registered service of Freddie Mac.

1. After the initial fixed term of the ARM period, it is possible that the borrower’s payment may increase substantially over the remaining term of the loan.


Compare leading physician mortgages #mortgage #rates #history


#physician mortgage loans

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Compare leading Physician Mortgages available in your state.

Save time scouring the internet for information. Enjoy!

The Doctor Mortgage Loan Program is designed to help qualified Physicians and Dentists acquire a residential mortgage loan from participating lenders with zero to very little money down and no PMI.

Who qualifies for the Doctor Loan Program?
-Licensed Medical Residents, Fellows, Medical Physicians (MD) and Doctor of Osteopathy (DO)
Dentists (DDS/DMD)
-Some lenders offer Doctor Loans to Podiatrists. Optometrists and Veterinarians
-See our list of major national banks offering the Doctor Loan Program

Benefits of the Physician Loan Program at a Glance.
* Very low to zero down-payment. Only 0% to 5% down depending on the lender
* No PMI (Private Mortgage Insurance)
* Higher maximum loan amounts. Lenders typically allow up to $850k/$1.5 Million
* Close on your loan early. up to 60-90 days before starting new employment (depending on the lender)
* Employment contract can be used as evidence of income if starting new job.
* Medical school loans can often be waived from your debt ratio (if deferred 12 months after closing)
* Competitive Fixed and Adjustable rates available
*Gift funds or seller contributions may be used for closing costs
*Learn more about what features most doctor loans have in common.

Use the map below to find Physician Lenders available in your State:
List will appear below the Map

No bank or loan officer pays to advertise on doctorloanprograms.com. The banks listed here do benefit from the exposure but the site was not built for them. It was built for YOU. The information listed here regarding the Doctor Mortgage Loan Program has been gathered by folks like you and they have been kind enough to share their experiences. If you are lender offering a Physician Loan and would like to be added to this site please click the New Bank option at the top. If your Medical Doctor Mortgage Loan Program is of value, and you have the appropriate recommendations from past Physician clients, I will add you to the list.

Note From the Editor:

We are pleased to announce that as of this year 2016, over 5,000 Physicians and Dentists visit our site every month.

It is truly an honor that our page has become one of the most comprehensive resources for new and established medical professionals in search of banks offering a Doctor Loan Program.

While this blog may not be the prettiest site on the web, we are absolutely FREE. We have no affiliations, advertisers or paid sponsors. The Goal is Simple: to compile the largest most up to date list of Doctor Loan Programs and features available in your state. Therefor allowing you to make an unbiased decision and choose the the best lender for you.

Also if you are interested, I have been writing on the topic of Doctor Mortgage Loan Programs for over 2 years. Feel free to browse my Doctor Loan Blog for useful articles, tips and resources to assist you in your research.

Thank you for visiting.
Sincerely
Doctorloanprograms.com team


Physician Mortgage Loans #cheap #mortgage #rates


#physician mortgage loans

#The physician loan is a great loan program for doctors and dentists regardless of whether they are just out of medical school, in residency, or physicians who have been practicing for years. This special mortgage program is available to medical professionals with an MD, DDS, DMD, OP, DPM, or DO. It offers some great benefits including.

  • Low or No Money Down
  • No Monthly Mortgage Insurance
  • Higher Debt-to-Income Ratios
  • Exclusion of Medical/Dental School Debt
  • Conventional Rates on Jumbo Loans
  • Allowable Seller Contributions
  • Ability to Close up to 60 Days before Beginning Residency

The home buying process can be especially stressful for an M4 or resident who may need to move cross-country within 60 or 90 days. The physician loan allows residents and doctors who most likely have substantial medical school debt but large future income to purchase a home quickly and with minimal out of pocket expenses.

Learn More

Copyright 2016 Privacy Policy
Alabama. Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware. Florida, Georgia, Hawaii. Idaho, Illinois, Indiana. Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire. New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma. Oregon, Pennsylvania. Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont. Virginia. Washington, West Virginia, Wisconsin, Wyoming.
MA. Lic # 323327


Physician Mortgage Loans by Fifth Third Bank #mortgage #loan #calculator #with #taxes


#physician mortgage loans

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doctor loan programs

* After the ARM period, it is possible that the borrower’s payment may increase substantially over the remaining term of the loan.

New Doctor Loan Program is ideal for licensed Interns, Residents or Fellows in medical residency or scheduled to begin residency within 90 days of closing on a new home, or who have completed residency within the last 12 months and have started working for a hospital or physician group.

Established Doctor Loan Program is ideal for licensed Non-Residents/Interns/Fellows(MD, DO or DPM) who are employed with a hospital or physician group for more than one year or have been self employed as a medical doctor for at least two years.

Terms and conditions apply. The Doctor Loan Program is restricted to primary, owner-occupied residences only. Investment properties, second homes, construction-to-perm and lot loans are ineligible. If the borrower can document that the student loan payment is deferred or in forbearance for at least 12 months after closing, the student loan payment can be excluded from the debt-to-income calculation.

Loans are subject to credit review and approval. Fifth Third Mortgage Company, 5001 Kingsley Drive, Cincinnati, OH 45227, 1-877-841-7511, an Illinois Residential Mortgage Licensee, License No. MB 0005994, Illinois Commissioner of Banks and Real Estate, 122 S. Michigan Ave. 19th Floor, Chicago, IL 60603, (312) 793-3000. Fifth Third Mortgage Company d/b/a Fifth Third Mortgage Company Incorporated and licensed by the New Hampshire banking department, licensed by the N.J. Department of Banking and Insurances and the California Department of Business Oversight under the California Residential Mortgage Lending Act. Fifth Third Mortgage is the trade name used by the Fifth Third Mortgage Company (NMLS #134100) and Fifth Third Mortgage-MI, LLC (#447141).


Physician Home Loans #mortgage #express


#physician mortgage loans

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Still unsure about physician home loan programs?

It s OK! We get it you aren t a financial guru, yet. Here is the bare bones, no bull explanation of these specialty home loans.

Physician home loans were designed with Residents, Fellows, and New In Practice Physicians in mind. Some banks have extend the program to Dentist. Optometrist. Podiatrists and Veterinarians. If you are one of these specialties click on your designation to see your specific guidelines.

There are FIVE unique ways that make physician home loans the most practical choice.

  1. Low or Zero Down Payment 0-10% is typical
  2. 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.
  3. Student loan debt not counted against you. This allows you to qualify for a nicer home.
  4. Higher loan limits up to 2 million are available typically at the same rate
  5. 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.

BUT what do the banks get out of this? .

  1. A future high income earning client
  2. Some banks require you to have a checking or savings account with them
  3. Rate and fees on these loans can be slightly higher than loans that require 20% down and years in current employment position

Doctor Loans – Physician Mortgage Loans #best #rate #mortgage


#physician mortgage loans

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Trusted by over 13,500 Physicians Since 2008

The doctor loan with no money down allowed us to easily buy a home coming into residency. We were then able to make a good investment in real estate resulting in a profit upon completion of my training. Dr. Miller Asheville, Iowa

I wanted to thank you both very, very much for all of your hard work in making the sale happen. I m so sorry that it s taken me a while to express this I ve barely set foot in the apartment, since I ve been in working in the ICU but truly, we are so appreciative of the fast and professional way you made this happen. This process was so much smoother than we could have imagined (given our previous experience) really great working with you both.

We are very excited about our new place, and would love to have you over once we ve fixed it up ( if you re ever in Philly, please look us up). Enjoy the summer. Amy — Philadelphia, PA

Thanks again for recommending Carolyn. She was excellent! I closed on my new home at the end of January and Carolyn was wonderful throughout the process. I would enthusiastically recommend her to any one who is looking for a Realtor®. Dr. Menon — Cary, NC

It helped me a lot to have the flexibility to not have to put money down but still find a place that I really liked, and avoiding private mortgage insurance was a big benefit also! Dr. Jay A — Raleigh, NC

Eligibility Q: Do I qualify for a physician mortgage loan? A: If you are a medical resident or a licensed medical Read More

Brew up a great cup of coffee, pull out your notepads, iPads, MacBooks or whatever you prefer to take notes with—this post is epic and Read More

Most banks offering physician loans have fixed-rate and adjustable-rate mortgage products. Depending on the type of property and the state you’re Read More


Doctors in Houston #medical #clinic #of #houston, #medical #clinics #in #houston, #clinic,internal #medicine, #cardiology, #oncology,


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Medical Clinic of Houston, L.L.P. was founded in 1968 by the merger of two practices, comprised of nine physicians. As the original practices grew, physicians and specialized services were added to our facilities resulting in today’s medical complex. The Clinic specializes in Internal Medicine and also offers the following various sub-specialties: Cardiology. Endocrinology. Gastroenterology. Rheumatology and Medical Oncology as well as Diabetes and Nutrition Education. Our goal is to provide excellent medical care in a caring and service-oriented environment while utilizing the latest medical technology.

Office Hours, Appointments, and Physician Referrals
New patients who have not yet established themselves with a specific Clinic physician may request a Physician Referral or schedule an appointment by calling (713) 526-5511 extension 3130. Typical office hours are 8:30 a.m. to 5:00 p.m. Monday through Friday although some physicians begin seeing patients as early as 7:30 a.m. Established patients should contact their physician’s secretary to arrange a convenient appointment time. Your physician’s staff is available during regular office hours for appointment scheduling, test results, and general questions.

For insurance and billing questions, our representatives are available to assist you by phone or in person. Please contact our Customer Service Call Center at 713-520-4700 between 9:00 a.m. and 4:30 p.m.

After Hours Care
Patients needing urgent medical care when the Clinic is closed may reach their physician (or the physician designated to take his/her calls) by dialing the main Clinic telephone number, (713) 526-5511. The Clinic’s answering service will contact the physician on call. When calling after hours, have your pharmacist’s telephone number available and remove any incoming call blocks from your phone line so that phone calls can be received.

First Appointment
Prior to your first appointment, we will attempt to reach you by phone for registration. If registration by phone is inconvenient or we have not been able to contact you in advance, please arrive 30 minutes before your scheduled appointment so that this process can be finalized before your appointment time.

Reminder: Bring your insurance card with you to your first appointment and whenever your coverage changes.

Prescription Refills
Patients should contact their pharmacy with prescription refill requests, instructing their pharmacy to electronically submit refill requests to the Clinic. The pharmacy or pharmacist will contact the Clinic on your behalf to obtain authorization from your physician for prescription refills Monday through Friday from 9:00 a.m. to 4:30 p.m.

Pre-travel Evaluation
To meet the health needs of the global traveler, we provide pre-travel evaluations in order to identify health risks and evaluate a patient’s fitness for travel – thus minimizing the risk of health problems abroad in an unfamiliar healthcare delivery system. Several of our physicians are certified to administer international vaccinations for travel.

We offer wireless Internet connections at our office. If you wish to bring your portable PC or PDA, you will have free high-speed access to the Internet.


How to Choose an Eye Doctor #eye, #doctor, #vision, #specialist, #opthalmologist, #optometrist, #optician, #physician, #insurance,


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How to Choose an Eye Doctor

Do things look a little fuzzy these days? It’s probably time to see an eye doctor.

If you’ve never been before, choosing one can be tricky. There are several kinds of eye care experts who specialize in different things.

How Do I Find One?

If you’ve never seen an eye doctor, you need to make sure you find a good one.

Talk to your doctor or pediatrician. She’ll have the names of eye specialists in your area. She may even have a sense of who would be a good fit for you or your children.

Ask family, friends, and co-workers. Think of everyone you know who wears glasses — they all have eye doctors. Ask them.

Check with professional organizations. The American Academy of Ophthalmology and the American Optometric Association have tools on their websites to help find eye doctors in your area.

After the Appointment

When you’re on the way home, ask yourself:

Did you have to wait a long time? If you did, you may want to ask the office staff about the average length of time before the doctor will see you.

Did the exam feel complete? If you felt rushed by the doctor, that’s probably not a good sign.

Did he listen to your questions and answer them clearly? Good communication is key for your eye health .

Did you feel comfortable? This really is important. If you don’t like the doctor, you’ll be less likely to get checkups, and that isn’t good for your health.

If your first attempt didn’t meet your expectations, don’t be afraid to try someone else. Your eye health is key to a long, healthy life. It’s worth it to take the time to find a doctor you trust.

WebMD Medical Reference Reviewed by Alan Kozarsky, MD on September 13, 2015

Sources

American Academy of Ophthalmology: “eyeSmart: Know Your Eyecare Team.”

American Optometric Association: “Comprehensive Eye and Vision Examination.”

Eye Surgery Education Council: “How to Choose a Surgeon.”

Prevent Blindness America: “Who’s Who in Eyecare?”

© 2015 WebMD, LLC. All rights reserved.


Compare leading physician mortgages #mortgage #express


#physician mortgage loans

#

Compare leading Physician Mortgages available in your state.

Save time scouring the internet for information. Enjoy!

The Doctor Mortgage Loan Program is designed to help qualified Physicians and Dentists acquire a residential mortgage loan from participating lenders with zero to very little money down and no PMI.

Who qualifies for the Doctor Loan Program?
-Licensed Medical Residents, Fellows, Medical Physicians (MD) and Doctor of Osteopathy (DO)
Dentists (DDS/DMD)
-Some lenders offer Doctor Loans to Podiatrists. Optometrists and Veterinarians
-See our list of major national banks offering the Doctor Loan Program

Benefits of the Physician Loan Program at a Glance.
* Very low to zero down-payment. Only 0% to 5% down depending on the lender
* No PMI (Private Mortgage Insurance)
* Higher maximum loan amounts. Lenders typically allow up to $850k/$1.5 Million
* Close on your loan early. up to 60-90 days before starting new employment (depending on the lender)
* Employment contract can be used as evidence of income if starting new job.
* Medical school loans can often be waived from your debt ratio (if deferred 12 months after closing)
* Competitive Fixed and Adjustable rates available
*Gift funds or seller contributions may be used for closing costs
*Learn more about what features most doctor loans have in common.

Use the map below to find Physician Lenders available in your State:
List will appear below the Map

No bank or loan officer pays to advertise on doctorloanprograms.com. The banks listed here do benefit from the exposure but the site was not built for them. It was built for YOU. The information listed here regarding the Doctor Mortgage Loan Program has been gathered by folks like you and they have been kind enough to share their experiences. If you are lender offering a Physician Loan and would like to be added to this site please click the New Bank option at the top. If your Medical Doctor Mortgage Loan Program is of value, and you have the appropriate recommendations from past Physician clients, I will add you to the list.

Note From the Editor:

We are pleased to announce that as of this year 2016, over 5,000 Physicians and Dentists visit our site every month.

It is truly an honor that our page has become one of the most comprehensive resources for new and established medical professionals in search of banks offering a Doctor Loan Program.

While this blog may not be the prettiest site on the web, we are absolutely FREE. We have no affiliations, advertisers or paid sponsors. The Goal is Simple: to compile the largest most up to date list of Doctor Loan Programs and features available in your state. Therefor allowing you to make an unbiased decision and choose the the best lender for you.

Also if you are interested, I have been writing on the topic of Doctor Mortgage Loan Programs for over 2 years. Feel free to browse my Doctor Loan Blog for useful articles, tips and resources to assist you in your research.

Thank you for visiting.
Sincerely
Doctorloanprograms.com team


Physician Mortgage Loans #2nd #mortgage #lenders


#physician mortgage loans

#The physician loan is a great loan program for doctors and dentists regardless of whether they are just out of medical school, in residency, or physicians who have been practicing for years. This special mortgage program is available to medical professionals with an MD, DDS, DMD, OP, DPM, or DO. It offers some great benefits including.

  • Low or No Money Down
  • No Monthly Mortgage Insurance
  • Higher Debt-to-Income Ratios
  • Exclusion of Medical/Dental School Debt
  • Conventional Rates on Jumbo Loans
  • Allowable Seller Contributions
  • Ability to Close up to 60 Days before Beginning Residency

The home buying process can be especially stressful for an M4 or resident who may need to move cross-country within 60 or 90 days. The physician loan allows residents and doctors who most likely have substantial medical school debt but large future income to purchase a home quickly and with minimal out of pocket expenses.

Learn More

Copyright 2016 Privacy Policy
Alabama. Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware. Florida, Georgia, Hawaii. Idaho, Illinois, Indiana. Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire. New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma. Oregon, Pennsylvania. Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont. Virginia. Washington, West Virginia, Wisconsin, Wyoming.
MA. Lic # 323327