Michael Frey Relator

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.

Contact Michael for more details.

Program Designed for Physicians

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

Information for Staff Members. (They need a Home also)

Programs for (Nurses, All Office Staff. non-PHYSICIANS)

Programs for First-Time Home Buyers.

(There are so many programs available I can’t list them all. Instead, have your staff members call me.)

The San Diego Housing Commission (SDHC) offers deferred-payment loans and homeownership grants to help low- and moderate-income families buy their first homes. Programs may be funded primarily through federal U.S. Department of Housing and Urban Development (HUD) HOME Investment Partnerships Program grants to the City of San Diego that SDHC administers. Click here for the SDHC First-Time Homebuyers page.

Other Programs for Police Officers, HEROS, First Responders, etc.

You are not alone in trying to figure out these programs.

As a Realtor, I can help you through the processes. (No Charge to Help)

Steve Gray Home Mortgage Consultant

Wells Fargo Home Mortgage

Here is another great way to get a lower Mortgage Rate when writing a purchase offer on a new house in San Diego. The Relationship Discount. A unique way to lower your mortgage rate when buying a home.

We will deeply discount our jumbo mortgage rate based upon the size of your buyer’s relationship with Wells Fargo. Our jumbo loan pricing is hard to beat already, and this additional discount makes our pricing even more compelling.

Note from Steve:

If you're looking for a home loan, you've found a great place to start. As an experienced home mortgage consultant, I can guide you through the process – with the support you need and innovative technology developed with you in mind. Whenever you're ready, I'm here to help.

Steve Gray Home Mortgage Consultant NMLRS ID 453592

Direct number is 858-254-1740.

steve.gray@wellsfargo.com

Steve Gray's Website & Contact info.

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.

Contact Info

Phone # Email or "WhatsApp" & "Facebook"

Feel Free to Try Facebook Messenger URL: m.me/MichaelFreyRealtor

Message me on WhatsApp

Michael Frey Realtor® La Jolla. CA

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

(858) 330-1242 MichaelFrey@bhhscal.com Facebook Messenger URL m.me/MichaelFreyRealtor

Work hours: When I am available to discuss Real Estate.

Open today

07:30 am – 08:30 am

Michael Frey Relator

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

(858) 330-1242

Free Market Report Made Special for your Area. (Click Here)

The owner of the Website is: Michael Frey Realtor® DRE#02069869

Call (858) 330-1242 or (619) 997-1626 (Licensed in California)

©2023 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..

© 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.

Buyer is advised to independently verify the accuracy of that information. "Good to Know"

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Physicians Home Buying Programs

(858) 330-1242 - Michael Frey Realtor®