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Updated over 4 years ago on . Most recent reply

Physician Loan Question
I have a quick question for you regarding physician loans.
My girlfriend is an MD at Texas Children's in Houston in her 2nd year of residency.
She is considering buying a house (400k-500k). We are also considering putting both our names on the house as I have the better credit score and much larger income (presently).
Questions:
- 1. Roughly how much higher are the interest rates on a 30-year fixed mortgage (physician vs regular)?... I've read it could be about 0.5%? (e.g. 2.75% vs 3.25% in today's environment)
- 2.Would we still be able to take advantage of a Physician Loan if we were jointly on the deed/note? Any complications?
- 3. What is the maximum debt/income ratio allowed for Physician Loans (I've read a normal loan is 0.43 but I'm not certain if this is different for physician loans)
Most Popular Reply

Alexander -
Go to whitecoatinvestor.com
All doctors and their forums.