MGB FINANCIAL SERVICES, INC.

Physician Home Loans

From White Coat to Front Door

Your Medical Career Is Exceptional.
Your Mortgage Strategy Should Be Too.

Whether you are completing residency, beginning a fellowship, accepting a new physician position, relocating to California, or purchasing your next luxury home, MGB Financial Services, Inc. can help you explore mortgage options based on your individual financial profile and career.

30+ YEARS OF MORTGAGE EXPERIENCE   •   UNDERWRITER REVIEW AVAILABLE

PHYSICIAN MORTGAGE SOLUTIONS

Your Career Path Is Different.
Your Mortgage Review Should Be Too.

Years of medical school, residency and specialized training can create a financial profile that looks very different from that of a traditional homebuyer. Strong earning potential may exist alongside student loans, a new employment contract, relocation expenses or a shorter history at your new income level.

Let us look at the complete picture.

Who May Benefit From a Physician Loan Review?

Depending on lender and program eligibility, physician-focused mortgage options may be worth exploring for:

Eligible professions and program requirements vary by lender.

CAREER TRANSITION FINANCING

New Job. New City. New Home.

Starting a New Physician Position?

You may be preparing to purchase a home before receiving your first paycheck from your new medical position.

Depending on the mortgage program and applicable requirements, your employment contract, offer letter, anticipated start date, income, assets and reserves may be important parts of your mortgage review.

This can be especially important for residents completing training, fellows transitioning into practice, and physicians accepting a new position or relocating to California.

Your First Paycheck May Not Have to Be Your First Step.

Medical School Debt? Let's Look at the Whole Picture.

Student Loans Are Only One Part of Your Financial Story.

Medical education can result in substantial student-loan obligations at the same time a physician is entering a career with significant earning potential.

How student loans affect mortgage qualification depends on the loan program, documentation, repayment status and applicable underwriting requirements.

Your student-loan balance shouldn't be the only number we look at.

MOVE-UP & LUXURY HOME FINANCING

Your Career Has Grown.
Your Home May Be Ready to Grow With It.

Physician financing isn't limited to doctors who are just beginning their careers.

Established physicians may also need sophisticated mortgage solutions for a move-up residence, luxury property, relocation or higher loan amount.

Relocating to California?

Bring the New Job. We'll Help You Explore the Mortgage.

If you've accepted a position with a hospital, medical group, clinic, university or other healthcare employer in California, consider reviewing your mortgage options before you begin seriously shopping for a home.

Depending on your situation, the review may include:

Know your financing options before you choose your new home.

Physician Loan or Traditional Mortgage?

Don't Choose the Label — Choose the Financing That Fits.

A physician-specific mortgage is not automatically the right choice for every doctor. Depending on your financial profile, a Conventional, Jumbo, FHA, VA or physician-specific mortgage may be worth considering.

ONE BORROWER. ONE CAREER. MULTIPLE LOAN OPTIONS.

PRIVATE PHYSICIAN LOAN REVIEW

Your Financial Picture Deserves More Than a Standard Mortgage Review.

Let an Underwriter Diagnose the Financing —
Before You Prescribe Yourself the Wrong Mortgage.

Medical professionals understand the importance of looking at the complete picture before making an important decision. We take the same approach with your mortgage.

New employment contract? Medical school debt? Residency ending? Relocating? Luxury purchase? Jumbo financing?

Let an underwriter review your employment, income, assets, student-loan obligations, down payment, target property and available mortgage programs.

YOUR NEXT CHAPTER

Your Next Big Move May Not Be in Medicine.

It May Be the Front Door to Your New Home.

You've invested years building your medical career. Let MGB Financial Services, Inc. help you explore the financing for your next chapter.

30+ YEARS OF MORTGAGE EXPERIENCE   •   UNDERWRITER REVIEW AVAILABLE

MGB Financial Services, Inc.

30+ Years of Mortgage Experience
562-809-2643
Loan@MGBFinancial.com
www.MGBFinancial.com

Loan programs, eligible professions, down-payment requirements, mortgage insurance requirements, loan limits, income calculations, student-loan treatment, property eligibility, rates, terms and underwriting requirements vary by lender and program. Program availability and guidelines are subject to change. Not all borrowers or properties will qualify.