Why choose Physician Relocation Specialists?

Because Physician Relocation Specialists always put our clients’ interests first. While other companies similar to ours only have the bottom line in mind, we put your interests and the needs of your family first. But don’t take our word for it; review our… Read More

This seems too good to be true—what’s the catch?

There is no catch. The lenders we work with offer this great physician loan program because they want you as a customer. Physicians are among the least likely to default on a home loan, they are educated and their income is very likely to increase significantly over the years.… Read More

I’ve already selected a Realtor®, can I still utilize your services?

Absolutely. If a client has already selected an agent, we simply ask that agent to join our network in exchange for a one-time, flat fee. This fee is based on a small percentage of their commission. Your agent only pays this fee if you close a physician loan with the lender we… Read More

What type of loan products do your preferred lenders offer?

Our lenders provide a wide array of loan products that can be tailored to meet your needs. These programs may include 15 and 30 year fixed programs, or 3, 5, 7, and 10-year ARMs—allowing clients to choose the interest rate security they need. They also offer interest-only… Read More

Can you explain what a portfolio loan is?

A portfolio loan is a mortgage loan that is held by a bank as an investment. This type of mortgage is held by that bank rather than being sold on the secondary market. The reason the banks hold this type of mortgage is due to the fact that the loan does not comply with the underwriting… Read More

What are the benefits of a portfolio loan?

Underwriting guidelines for a porfolio loan can be far more flexible than for a loan which is being sold to an investor in the secondary markets (Fannie Mae, Freddie Mac …). This flexibility can often mean that the underwriter of the portfolio program can use a much… Read More

What physician loan interest rates do your lenders offer?

In general, the interest rates on the physician loan programs offered by our lenders are slightly higher than a traditional loan; these higher rates help offset the additional risk the bank takes on when you borrow 100%. Keep in mind that each lender’s loan program… Read More

Are physician loans exclusive?

No. But realize that physician loans are made available through very few banks and a few credit unions. The loan programs and guidelines vary by institution. Physician Relocation Specialists has relationships with the banks and other institutions that would love to… Read More