If you’re planning a move or a refinance anytime soon, then a doctor home loan in Kansas can be a helpful resource for you. Start by getting connected with an experienced lender who can guide you through the entire physician loan process. There are almost 8,000 physicians who call The Sunflower State their home – and your own goal of home ownership is possible with a physician home loan.
Kansas offers its 2.9 million residents big cities, small towns and plenty of farmland for those who want to spread out. You’ll have your choices of cities to choose from – whether it’s Wichita, Overland Park or Kansas City – waiting for you to call Kansas home.
Recommended Lenders for Doctor Home Loans in Kansas
Whether it’s your first home, a refinancing project or looking for the next home upgrade, Doug is focused on making a real and lasting difference. That’s why he takes the time to understand each of his clients’ unique home buying needs (as he has with my very own physician family).
Contact Doug by visiting this link.
Marc Evans has been in the mortgage industry for north of 20 years. He believes banking is a personal commitment to helping people at every stage of their financial lives. Knowing people’s needs change, he would never waiver from providing his customers the best possible banking experience in the industry. Want to work with Marc at BMO? Take advantage of their $0 down payment for loans up to $750,000 with a minimum credit score of 720 today!
Contact Marc by visiting this link or call (920) 831-7721
With over 15 years experience in mortgage lending and many years specializing in physician loans, Darick Hensel draws on every previous client to help improve for the next.
He understands the nuances of physician contracts, relocations, and financial strategies. Married to a trauma surgeon, Darick values your time and need for expediency. Outside of helping new and experienced physicians with their mortgage needs, he loves his wife, 2 dogs, golfing, and traveling. He and his wife already have tickets to the 150th British Open! Get to know Darick too.
Kansas is more than wide open spaces and farmland. It’s also a place of great opportunity for those practicing medicine. Kansas is also home to quality health care options for both physicians and residents of the state. Whether you find yourself in Kansas for your residency program, opening a new practice or moving home, then a physician home loan can help you achieve your goal.
Choosing to work with a lender who specializes in doctor home loans in Kansas is an important asset throughout your home-buying journey. Getting pre-qualified for a doctor home loan in Kansas will give you the right numbers to work with as you begin your house-hunting process. You’ll know what to expect to pay each month with your mortgage payment while you maneuver through your housing options. When you finally make an offer on a place to call home, being pre-qualified will show the seller you are a serious buyer.
If you’re ready to get started finding the best doctor home loan in Kansas, then you’ll find these preferred lenders ready to assist you in moving forward with the loan process.
The Complete List of Lenders for Doctor Home Loans in Kansas
UMB Bank – UMB provides a variety of mortgage products and options to fit your specific needs. And, frankly, they believe applying for a home loan doesn’t have to be complicated. In general, a lender will be looking for information related to a physician’s income, account balances, monthly expenses, debt totals and residence history. Based on that financial history and current life stage, they may need to gather additional information. Your home loan officer will help you through that process during the application phase. With the help of professionals and a clear sense of each step, your home buying experience can be simple and stress-free. Contact Doug Crouse today!
Arvest Bank – Arvest Bank offers several options for physician mortgages. The doctor loans feature benefits such as mortgages up to 103% loan to value, flexible underwriting guidelines, and no PMI. These loans are available to those who recently graduated from medical school, in residency, or a physician who has been practicing for years. There are many other loan products available to best suit your financial needs. Arvest Bank is headquartered in Bentonville, AR, and has over 260 locations. Reach out to Jared Bahr for any assistance you need!
BMO Harris – BMO Harris offers several mortgage options for physicians. Physicians can borrow 100% ($0 down payment) up to $750,000 with a 720 credit score, up to 95% on mortgages up to $1M, and 90% on mortgages up to $1.5M. There is no PMI on physician mortgage loans through BMO Harris. The loan programs are available with either fixed or adjustable rates and without any special fees. BMO Harris is headquartered in Chicago, IL, and also operates in the states of AZ, FL, IN, KS, MN, MO, and WI. Contact Marc Evans today!
TCF Bank – TCF Bank has approximately 475 banking centers primarily located in Michigan, Illinois, and Minnesota with additional locations in Colorado, Ohio, South Dakota, and Wisconsin. They offer a doctor home loan designed to fit the unique needs of physicians, dentists, chiropractors, veterinarians, and more! No down payment for those who qualify (closing costs could apply). No private mortgage insurance is required for those who qualify. Their mortgage loan officers are experienced in working with medical professionals and are ready to guide them through the loan process for their purchase or refinance. Contact our recommended lender, Darick Hensel today!
US Bank – U.S. Bank is a leader in the mortgage industry. Many of their customers have said they would recommend them in the future. They offer loans that meet almost every mortgage need. You may be eligible for the U.S. Bank Customer Credit with a new or existing U.S. Bank Personal Checking Package, or with an existing first mortgage with U.S. Bank. Take 0.25% of the loan amount and deduct it from the closing costs, up to a maximum of $1,000. At U.S. Bank, they know that your home is one of the biggest investments you’ll ever make. And whether you’re looking for a new mortgage loan, a mortgage refinance or a home equity loan, you want a partner you can trust. Contact who we trust, Jonathan C. Brozek today!
Union Bank – Union Bank has a fantastic physician home loan that includes some of the best rates in the nation. Key features include: 10% down to $1.25MM loan amount, they can close up to 6 months from start date of new contract (if exiting residency or fellowship). Your down payment, reserves, and closing costs can be gifted from family with no seasoning requirements (a HUGE benefit). There is no Mortgage Insurance or PMI and you can receive a lender credit for 0.25% of the loan amount up to $1,000 for opening a platinum checking account.
Bank of America – Get started with the Digital Mortgage Experience with Bank of America. Preferred Rewards clients may qualify for a reduction of $200-$600 in the mortgage origination fee (based on your eligible balances at the time of application). Some of the home loan products they offer include fixed-rate mortgages, adjustable-rate mortgages, FHAs, and VA loans. Already pre-approved with Bank of America? View your pre qualification letter, or contact a lending officer about taking the next steps towards home financing.
BOK Financial – BOK financial offers several mortgage products for a physician’s unique mortgage needs. BOK was founded in Tulsa, OK but now has several locations across AR, AZ, CO, KS, MO, NM, OK and TX. Residents and fellows can qualify for physician loans up to $650,000, while practicing physicians are eligible for loans up to $1M. BOK financial also offers down payment options as low as 3% on eligible physician loans.
First National Bank of Omaha – First National Bank of Omaha offers numerous choices for physicians and their mortgage needs. FNBO operates in Nebraska, Colorado, Iowa, Illinois, Kansas, South Dakota and Texas. Physician mortgage loans with FNBO require a 3% down payment for loans up to $850,000 and PMI. If you are an FNBO checking account holder, you will receive up to $400 off your mortgage closing costs. Contact FNBO today for full program details on their physician mortgage loans.
LoanDepot – LoanDepot offers innovative solutions for your physician home loan needs. Working with LoanDepot means you are working with a national consumer lender. They are headquartered in Southern California and employ 6,400 team members across the country. This also includes 2,000+ licensed loan officers who hold more than 10,000 licenses. The company operates 150+ local loan locations nationwide.
SoFi – SoFi is known for refinancing choices, but physicians might not be aware of the mortgage options available. Although the mortgage option isn’t limited to only physicians, it is targeted towards highly-educated individuals. One alternative mortgage to consider includes a 10% down for up to $3M in financing. There are also fixed rate and ARM options, without any hidden fees for prepayment penalties.
Simmons Bank – Simmons Bank offers multiple loan products, along with flexible terms and down options to the medical community. Simmons Bank has a Professional Provider Mortgage program specifically for an MD, Oral Surgeon, or Dentist who has completed medical school or dental school and is in residency, fellowship or in practice. The mortgage program allows the borrower to leverage future income for present-day home purchases. Simmons Bank is headquartered in Arkansas with additional locations in TX, TN, IL, MO, NE, KS and OK.
Laurel Road – Laurel Road is a digital lender that is owned by KeyBank who uses innovative technological and digital strategies to help you secure lending. The physician mortgage program with Laurel Road is a home loan tailored specifically to interns, residents, fellows, doctors, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), or Doctor of Podiatric Medicine (DPM). Their product features up to 95% financing for loans up to $750,000 (for primary residences). Physician loans have fewer restrictions than conventional mortgages and bases the lending decision on creditworthiness and future income potential.
TIAA Bank – TIAA Bank is a large,national bank headquartered in Jacksonville, FL. TIAA Bank operates in all 50 states and offers a variety of physician mortgage loan products. TIAA Bank’s doctor loan mortgage program is only available to existing medical doctors (and DO’s, veterinarians, dentists and dental surgeons) who are actively practicing and have completed residency in the past 10 years. TIAA Bank offers loan amounts up to $2M and without any PMI. A down payment is required and you must start employment within 60 days of the loan closing.
Willow Bend Mortgage – Willow Bend Mortgage has multiple loan options to suit your financial needs. Designed for physicians, dentists, and veterinarians, there are many benefits to the medical loan program. You can utilize terms such as a 5% down payment for loans up to $1M, 10% down up to $1.5M, or 15% down up to $2M – all without PMI. There is also a 0% VA loan program for vets and active military personnel. You can inquire about the 3% down option (but with PMI) for smaller loans. The loans can include either a fixed or adjustable rate.
Fairway Independent Mortgage – Fairway offers borrowers the options of fixed-rate conventional loans and adjustable-rate mortgages. Prospective borrowers can apply for a loan with Fairway Independent Mortgage online, with the closing process taking place in person. Fairway has grown into a national independent brokerage network with more than 7,000 employees — including more than 3,000 loan officers — in over 500 branches.
BBVA Compass – BBVA operates in 9 states and is headquartered in Birmingham, AL. The BBVA physician mortgage program offers benefits such as low down-payment options, expanded loan-to-value ratios, programs with up to 100% loan financing and loan amounts available up to $1,750,00. There is also no requirement for PMI. BBVA offers physician mortgages to medical residents and practicing physicians.
Citizens Bank – Citizens Bank offers a special mortgage program for physicians and dentists through their doctor loan program. The Citizens Bank Doctor Loan is available for purchases and limited cash‑out refinances of primary residence. A few highlighted features of the program include up to 95% financing, no mortgage insurance, and your choice of a fixed-rate or adjustable-rate mortgage. Headquartered in Providence, RI, Citizens Bank has over 1,200 locations across the country.
Flagstar Bank – Flagstar bank offers a Professional Loan series available to physicians, dentists, attorneys and other high-income professionals. Features of the Flagstar Bank Professional Loan includes financing for loan amounts up to $1.5M. There are also low or no down payment options with adjustable rates. You will not have to pay PMI for the loans. You can also use these benefits for a purchase or refinance for your primary residence only.
Midland States Bank – Midland States offers a comprehensive program for physician loans. Midland States Bank offers maximum loans up to $1.5M without any money down. You won’t have to pay any PMI either. There are traditional and adjustable rates and terms for your consideration. If you have a minimum credit score of 720, then you can begin the qualification process for a physician loan with Midland Bank.
Recommended Real Estate Agents In Kansas
Financial Residency has partnered with Dr. Moves to offer you a tailored home buying experience with agents that specialize in working with physicians in Kansas.
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