Best Physician Mortgage Loans in Georgia

Combine our Medical Professionals Home Loan with our Certified Buyer Pre-Approval Program, which isn’t your standard pre-qualification. We’ll fully underwrite your loan to determine how much you could be approved for by verifying your information and documentation. This can make you as attractive as a cash buyer when negotiating for your home and may even make the difference between your offer being accepted over another!

Close your loan in as little as 10 business days after pre-approval. Compete directly with cash buyers and remove the need for a financing contingency.

Low Down Payment Options
No Private Mortgage Insurance Required
Purchases or No Cash-Out Refinances
Adjustable Rate or Fixed options available

We say YES!

Yes to 1099 income without 2 yr history (conditions apply)
Yes to using future income to qualify – don’t have to wait to be within 90 days of start of new job (additional reserve requirements will apply)
Yes to all covered professionals – No limit on the number of years out of residency/fellowship
Yes to US residents including work Visa holders – Permanent Residents Aliens, H-1B, J-1, TN NAFTA and others
Yes to acreage (normal for the area)
Yes to you owning multiple properties (additional reserve requirements will apply)
Yes to significant other and/or family to be co-borrower/co-signer to help you qualify, even if they will not occupy the property
Yes to gift funds from family members
Yes to DPA funds if you qualify (hint hint residents!!!)
Yes to Bridge loan if you have equity in the current house and need to access it to purchase new home
Yes to a Construction loan to build your dream home

Common sense approach to underwriting.
Ability to offer bridge financing when trying to sell a current home and buying a new one.
Genisys Credit Union offers Physician Construction Loans under the same terms as purchase.
No reserves required on most products.
GREAT RATES

Available in 46 of 50 States (Excludes AK,CA,HI,NV, DC)
No Points (unless quoted), No PMI, No Prepayment Penalty
680+ credit score solutions available
No Limitations on Time in Practice
W2 employees close up to 90 days in advance of start date * Conditions Apply
1099 employees close up to 60 days in advance of start date * Conditions Apply
Gift Funds OK for down payment, reserves or closing costs
Up to 50% DTI
Cash Out Refinance Financing Available
1-2 Unit Primary Residence including Townhomes, Warrantable Condos and Non-Warrantable Condos *
Conditions Apply

Student Loan Debt omitted in qualifying ratios if deferred at least 12 months
Ability to use income based repayment schedule if not deferred for 12 months

No limit on time elapsed since the completion of training

Financing available for single family, condos, and two family owner occupied residences

Warrantable and non-warrantable condos allowed

Available to US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, and Foreign Nationals

For other professionals we have Our First Time Homebuyers program with up to 100% financing available with no PMI.

Second Home Financing available up to 90% financing.

Construction Financing available up to 90% financing (AZ, CO, IL, IN, MI, NC, SC, and WI)

Please contact the Mortgage Loan Officer listed above covering the state in which you are purchasing.

Whether you just began your residency or you are an established physician, Liberty FCU is dedicated to helping you secure the home of your dreams.

This program is available to residents, fellows, new, and established physicians alike. ⁴ We will gladly work with you and your busy schedule. Pre-qualification can be done easily online or through email.

• Close up to 150 days before employment start date
• 1099 Income with less than 2 years of self-employed income or new 1099 contract (with proof of minimum guaranteed hours and hourly rate)
• Minimum 680 Credit Score with 5% down and 700 credit score with 0% down
• No Private Mortgage Insurance
• Up to 50% debt to income ratio
• Gift Funds can be acceptable for down payment, closing costs, and asset reserves in many circumstances
• Student Loan Payments can be excluded if deferred during training or we can use income based repayment monthly payment to qualify
• No restrictions on length of time post residency to qualify for loan
• Can own multiple properties or have multiple physician loans
• Helped thousands of physicians buy their homes with confidence
• Refinance and Purchase options
• Self Employed Income borrower options
• Additional Discounts Available With $25k Or More of Assets With Fifth Third Bank

Clearly a strength is our product is more flexible than most of our peers.  We have been able to help several physicians who were turned down elsewhere for the product recently. Allowing physicians to be greater than 10 yrs out of residency and still qualify has been helpful to many. The opportunity to provide 100% financing up to $1.5 million, and 95% financing up to $2 million, and 90% financing up to $2.5 million has been strong compared to competitors. Condos are allowable under the product.

Why NEO Says “YES”

“After two big banks declined us for lack of 1099 history, NEO approved our $1.4 M jumbo and closed in 16 days.”
— Dr. Lance ⭐⭐⭐⭐⭐

Your 3-Step Plan

1. Schedule a 15-Minute Strategy Call
2. Upload Your Story (contract, practice paperwork, locums schedule)
3. Close With Confidence—and move in on your timeline

Start Now: https://www.medicalprofessionalhomeloans.com/wcihomeloans/

Stop Letting “No” Define Your Home-Buying Journey

Join thousands of White Coat Investor readers who turned complex finances into confident home ownership with NEO.

No time restrictions on when a client starts their new employment vs. the closing date if they have enough reserves.  Most other lenders limit the purchase date to 60-90 days before starting a new position.  We also allow business assets and gift funds for the down payment, closing costs and reserves.  Debt-to-income ratios up to 50%.  No 2-year history is required for physicians hired as a contractor or 1099 employee. Available nationwide (except CA), 2-unit properties eligible, flexibility for newly self employed.

Program is open to all qualifying doctors regardless of years in practice, flexible underwriting on student loans, down payment and reserves may be gifted, excellent client service, and retained loan servicing.  I specialize in physician lending and have over 20 years of experience in mortgage loan originations.  I also have prior experience in loan processing and underwriting.  Our origination and fulfillment teams have a great partnership environment and I’m confident in our ability to deliver a smooth and stress free experience. Apply online here.

Construction/Permanent available with 15% down, no PMI.

80% Financing up to $1.5 million for Second/Vacation Homes

1099 Contracted employees acceptable (upon review)