Michael Frey Realtor

Michael Frey Realtor Michael Frey Realtor Michael Frey Realtor
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Physician Program - Bank
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La Jolla CA
University City
Clairemont 92117
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Military Relocation CA
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Contact Mike ASAP
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Realtor com

Michael Frey Realtor

Michael Frey Realtor Michael Frey Realtor Michael Frey Realtor
Home
Property Value
Selling Your Property
Pinnacle Program Sellers
Mortgage Bankers
Physician Program - Bank
Home Search App
La Jolla CA
University City
Clairemont 92117
Buyers Tips
Sell My Home Tips
New_Homes
Military Relocation CA
About Me
Contact Mike ASAP
Downloads PDF's
Privacy Policy
Open House
  • Open House Questions
  • Rent vs Homeownership
  • Dreamers for all CalFHA
  • Open House Check In
  • Questionnair Page
Realtor com
More
  • Home
  • Property Value
  • Selling Your Property
  • Pinnacle Program Sellers
  • Mortgage Bankers
  • Physician Program - Bank
  • Home Search App
  • La Jolla CA
  • University City
  • Clairemont 92117
  • Buyers Tips
  • Sell My Home Tips
  • New_Homes
  • Military Relocation CA
  • About Me
  • Contact Mike ASAP
  • Downloads PDF's
  • Privacy Policy
  • Open House
    • Open House Questions
    • Rent vs Homeownership
    • Dreamers for all CalFHA
    • Open House Check In
    • Questionnair Page
  • Realtor com
  • Home
  • Property Value
  • Selling Your Property
  • Pinnacle Program Sellers
  • Mortgage Bankers
  • Physician Program - Bank
  • Home Search App
  • La Jolla CA
  • University City
  • Clairemont 92117
  • Buyers Tips
  • Sell My Home Tips
  • New_Homes
  • Military Relocation CA
  • About Me
  • Contact Mike ASAP
  • Downloads PDF's
  • Privacy Policy
  • Open House
    • Open House Questions
    • Rent vs Homeownership
    • Dreamers for all CalFHA
    • Open House Check In
    • Questionnair Page
  • Realtor com

Physicians Programs


Call Michael Frey if you have questions 619-997-1626

Health Care Professionals (MD, DO), Dental Practices (DDS, DMD), and Veterinary Practice (DVM, VMD) Special Programs are designed to give you a “leg-up” with home ownership. 

  

A physician home loan program is a specialized loan program designed to help medical professionals, including physicians, dentists, and veterinarians, finance their home purchases. These programs are designed to make it easier for medical professionals to buy homes by offering unique features and benefits unavailable through traditional home loan programs.


Some features of a Physician home loan program:

No down payment or low-down payment options: Physician home loan programs typically offer low down payment options, which means you can purchase a home without putting down a large amount of money upfront. 


No private mortgage insurance (PMI): With a physician home loan program, you can avoid paying private mortgage insurance (PMI). PMI is typically required for borrowers who make a down payment of less than 20% of the home's purchase price, and it can add a significant amount to your monthly mortgage payment.

Flexible underwriting requirements: Physician home loan programs often have more flexible underwriting requirements than traditional home loan programs. This can be especially beneficial for medical professionals with a high debt-to-income ratio due to student loans.


Competitive interest rates: Physician home loan programs offer competitive interest rates often lower than those traditional home loan programs provide.

Support from specialized lenders: Physician home loan programs are typically offered by specialized lenders who understand the unique financial needs of medical professionals. These lenders can provide personalized service and guidance throughout the home-buying process.


A physician home loan program can be an excellent option for medical professionals looking to buy a home. By offering unique features and benefits, these programs can make it easier and more affordable to achieve the dream of homeownership.

Call me, find out more

* Program designed for Physicians * Strategy *

Picture of an email sent to me generally talking about the Physician program available.

Bank of America

Link to Physicians Program at  Bank of America

  

Loan solutions for licensed and practicing doctors, dentists, Veterinary licensed professionals, residents and fellows, and other eligible medical professionals. professionals. 

  

Lender: Youg Lee, NMLS ID# 796669, is fully experienced working with the Physician Program. Mr, Lee fully understands how to work with the RPA (Residential Purchas Agreement) contract in the San Diego Market. I recommend him. 


Note:  I do not receive compensation from any lender.   


Mr. Lee’s Direct number is 949-516-6662. Mobile 949-482-5045

yong.lee@bofa.com


BofA Doctor Loan program
Clayton Sheffrey Contact info

US Bank

Mr. Sheffrey is highly recommended. He is also a member of REBA who attends the caravans with me. He has an outstanding "Physician Program" that few doc's know about. Clay is an excellent resource for all physicians & fellows.  Physicians Program available.


Note:  I do not receive compensation from any lender.   


Link to Clayton Sheffrey US Bank Info.   

clay.sheffrey@usbank.com 

Cell: 619-708-0876

 “American Dream, NO Mortgage Insurance loan”. 

(619) 997-1626 - Michael Frey Realtor®

Fill out the Questionnaire please, so I may help you.

Mortgage New Daily

Video 1031 Exchange Information - sTRATEGY

1031 Exchange for Business or Income property.

1031 Exchange for business and income properties. Not for your primary residence. The video covers some of the basics that some people ask me at my Open Houses. The main takeaway is that you need to hire your own 1031 Exchange accommodator to be safe. The Realtor will follow your instructions from your 1031 company, not the other way around. 


If you want to do a 1031 Exchange on your income or business property, I would like to be your realtor.As a Realtor, I am always trying to earn your business. My video explains why you should hire me as your Realtor. 

Picture of Prop 19 transferring money from one home to another.
Prop 19 Tax Benefit - Strategy

CA - Proposition 19 sAVE ON pROP, Tax

Prop 19: Allows seniors to downsize to smaller homes, (From 2 levels to a single floor) they can carry lower property taxes like Prop 60/90 & 110. Looks like Prop 19 fixes some of those loopholes. Call your CPA for your circumstance. It may be an excellent strategy for you.  “Good to know”  

Contact Me
Picture of my Berkshire Hathaway Company Website. "Click" the picture to visit the home search site.

Search for Homes by area. Have question, give me a call. 619-997-1626

Search homes in: 

  • Luxury La Jolla Homes


  • La Jolla Click Here. 
  • University City Click Here
  • Clairemont Click Here
  • Mira Mesa Click Here
  • Sorrento Valley Click Here
  • Scripps Ranch Click Here
  • Linda Vista Click Here
  • San Diego All Areas 
  • Southern California Search 


My National Home Search website, if you want to look out of State.  Covers all 50 States.

La Jolla Area

University City Area

Clairemont Area

Sellers Tips

Buyers Tips

About Michael Frey

Picture of BHHS Valuation page

CURRENT MARKET VALUE OF YOUR HOME RIGHT NOW. for Free

The link will forward you to the BHHS "Home Valuation" page; insert your address and email, and in a "Snap," your free home valuation. "Good To Know"


Call me. Michael Frey 619-997-1626 

Instant home value

Contact me

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You can try "WhatsApp" if you wish.

Michael Frey Realtor©DRE#02069869 Berkshire Hathaway HomeServies California Properties,  San Diego.

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Michael Frey Realtor® San Diego

1299 Prospect Street, La Jolla, California 92037, United States

619-997-1626

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©2021 Berkshire Hathaway HomeServices California Properties (BHHSCP) is a member of the franchise system of BHH Affiliates LLC. BHH Affiliates LLC and BHHSCP do not guarantee accuracy of all data including measurements, conditions, and features of property. Information is obtained from various sources and will not be verified by broker or MLS. Buyer is advised to independently verify the accuracy of that information. 


Michael Frey DRE#02069869   619-997-1626  michaelfrey@bhhscal.com (Owner of website)

Berkshire Hathaway HomeServices California Properties La Jolla Office DRE#01317331

La Jolla Office #858-459-0501


 Michael Frey Realtor® DRE#02069869 Call (619) 997-1626  (Licensed in California)

Berkshire Hathaway HomeServices California Properties DRE#01317331

All Rights Reserved. Copyright © 2022 

 Equal Housing Opportunity. michaelfrey@bhhscal.com 

  

© 2023 Berkshire Hathaway HomeServices California Properties is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate.

BHH Affiliates LLC and BHHSCP do not guarantee the accuracy of all data including measurements, conditions, and features of the property. Information is obtained from various sources and will not be verified by the broker or MLS. Buyer is advised to independently verify the accuracy of that information. "Good to Know"

Michael Frey 619-997-1626 cell

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