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Physicians on Fire #1

Taxes on a Million Dollars of Earned Income

Recently, we’ve delved into the consequences of winning the lottery and how a high income can become one’s own enemy. Continuing our deep dive into first-world problems, how much one might pay in taxes on a million dollars of earned income?

It might be a little. It might be a lot. It depends greatly on how long it takes to accumulate those earnings.

In today’s post, we’ll calculate the taxation on households earning $100,000 a year, $250,000 a year, and $1,000,000 a year as W-2 employees in 2018.

We’ll keep things consistent by looking at married couples with one income, filing jointly while contributing $37,000 a year to tax-deferred retirement plans. This could be any combination of 401(k), 403(b), and/or 457(b) contributions, as long as they have access to two of them.

They have two children under the age of 17 but past the daycare years. They live in a state with a mid-range total state & local income tax at a flat 5% of their federal taxable income per year. We’ll use 2018 data, since we are now filing taxes for 2018.

The numbers would be modified only slightly in 2019. Social Security taxes would be about $500 higher for the second and third families, and federal income tax would be very slightly lower for all due to the expansion of the tax brackets with inflation.

All calculations were made with assistance from TurboTax TaxCaster.Depending on your tax situation, you may be able to file for federal and state income taxes for free with TurboTax.

Taxes on a Million Dollars of Earned Income

Earning $1 Million in Ten Years

The combined salaries in our first household add up to $100,000 a year. After subtracting the $24,000 standard deduction and $37,000 in tax deferral, they’ll owe federal income tax on $39,000 or 39% of that $100,000 income.

The tax calculation on $39,000 of taxable income gives them a federal income tax of $4,302.

The tax credit of $2,000 per child gives them a $4,000 credit.

They’ll owe $302 in federal income tax, according to TaxCaster.

“Total income,” is equal to their salary minus the tax-deferred investments.

Their share of the FICA taxes will be $6,200 for Social Security and $1,450 for Medicare. Note that you don’t get deductions on the FICA taxes, which are based on the $100,000 salary.

This couple owes $7,650 in FICA Taxes.

At 5% of $39,000, the state & local income tax will be $1,950.

Add it all up and their tax bill based on 2018 tax brackets and rates will be a total of $9,902 per year, or just under 10%.

Note that about 2/3 of this is payments to Social Security, and they should get at least some of that back, eventually. Isn’t it remarkable that the federal income tax was negligible with $100,000 in household earnings?

Multiply their annual tax bill times 10 and they’ll pay just under $100,000 in total taxes on the $1 Million of earned income. They were able to keep about $900,000 of their earned income.



Earning $1 Million in Four Years

Multiplying the income from our first example by 2.5x, this couple is earning $250,000 per year. This could be a dual-income couple each earning in the low six-figures, a primary care physician with a stay-at-home spouse, or a part-time specialist like this guy.

For consistency’s sake, we’ll assume it’s a single-income household. The only place it matters much for purposes of today’s exercise is the FICA tax calculation, although in real life, a dual-income household could presumably defer more tax with more tax-advantaged retirement plan space.

Starting with $250,000 in salary and subtracting the $24,000 standard deduction and $37,000 in tax deferral, they’ll owe income tax on $189,000 or 75.6% of that $250,000 annual income.

Federal income tax, as calculated by TaxCaster, comes out to $29,939.

FICA tax is a maxed out $7,961 for Social Security and the employee’s portion of Medicare taxes, 1.45% of $250,000, is $3,625. That adds up to $11,856 in FICA taxes.

Note that if they had earned one dollar more, they would have also been subject to an additional 0.9% Medicare tax on the additional dollars earned. They would also be subject to an additional 3.8% NIIT tax on long-term capital gains and qualified dividends.

The state and local income tax will be $9,450, a flat 5% of the $189,000 of taxable income.

In 2018, this couple owes a grand total of $51,245 on $250,000 in salary, or just over 20%. That’s an effective tax rate more than double that of the couple earning $100,000 a year.

After four years at this salary, they will have paid a total of $204,980 in taxes, keeping $795,020.

Earning a Million Dollars a Year

While not common in medicine, public records do show that a number of our states’ highest-paid employees are employed by our public universities. The football and basketball coaches usually top the list, but the neurosurgeons and cardiothoracic surgeons often populate a few of the top 10 positions. There’s also an ophthalmologist in Oregon earning $913,335 per year in retirement as his pension, for an outlandish example.

Yes, that’s insane to me, and no, I’ve never earned anywhere near a million dollars a year, but there are docs like this out there. I’ve featured a urologist earning seven figures and another physician earning upwards of $1.8 Million a year as a practice owner.

In this example, the couple will earn a cool one million dollars in one year. To keep the FICA taxation equivalent, we’ll assume this was one income-earner, but it’s more likely to see this kind of total income from a dual-physician couple, probably in high-paying specialties and perhaps practicing some geoarbitrage.

After accounting for the same $61,000 in deductions for the tax-deferred retirement contributions and standard deduction, they owe income tax on 93.9% of their $1,000,000 income.

The TaxCaster calculation shows $286,808 owed in federal income tax. Note that the “Additional Taxes” of $6,416 credited as paid represent the additional Medicare Tax owed on income above $250,000. We’ll account for that below, and don’t ask me why there’s a $1 discrepancy. A glitch in the matrix, I suppose.

This couple was phased out of the child tax credit based on the phaseout that begins at 400,000 and is completely eliminated at $480,000 for two children. The phaseout occurs over a range of $40,000 per child.

Losing the credit effectively functions as a 5% surtax on a modified adjusted gross income over $400,000. The range in which you’ll feel the effect will be from $400,000 to ($400,000 + N x $40,000), where N is the number of children you have. For more details on the child tax credit, look here.

The Social Security tax is once again maxed out at $7,961 but there is no cap on Medicare Tax, and as mentioned above, the rate jumps from 1.45% to 2.35% on salary beyond $250,000.  This couple pays $21,250 in Medicare Tax for a total of $29,211 in FICA taxes.

Using the simple 5% formula on the $963,000 in taxable earnings gives them $48,150 in state income tax.

The total tax bill on $1,000,000 of earned income in one year is $364,169 or about 34%. They have $635,831 left.

Earning a Million Dollars in Revenue from this Blog

This website is a for-profit blog with a charitable mission. When I designed my drawdown plan for early retirement, I didn’t factor in online income, although I realized such a thing could throw a very pleasant monkey wrench into the outlined plan.

Having met a number of online entrepreneurs who are actually earning a 7-figure income from their online endeavors, I’ve fantasized about what a million dollars in revenue might look like for Physician on FIRE.

Note: I am earning nowhere near that level of income, but I’m not completely ruling it out as a possibility one day. Never Say Never.

So let’s say, hypothetically, this site were to bring in $1,000,000 in revenue in one year. I have some expenses to cover. As a site and its email list grows, the costs of doing business go up.

I pay people to help with various aspects of the site, including a commission to my business manager who sells advertising on the site. I’ve also got shareholders.

The profit sharing and business expenses take about one third of the revenue. We’ll estimate those combined costs as $340,000 on $1,000,000 in very hypothetical revenue. My profits are $660,00 in this scenario.

I’ve got a charitable mission to donate half of the $660,000 in profits. $330,000 is donated, mostly to our donor advised fund, but I’ll likely make some direct donations to charity, too, as DAF donations are limited to 30% of adjusted gross income when donating appreciated shares of assets (which is what I prefer to do).

We’re left with $330,000. Let’s say I make $56,000 in contributions to my individual 401(k) and for the sake of this exercise, let’s assume those are tax-deferred contributions.* Taxable income has been reduced to $274,000.

But wait… there’s more!

With the latest round of tax reform, we have this new 20% deduction of qualified business income based on Section 199A.

In this case, my qualified business income should be the $660,000 in remaining profits, minus the $56,000 in tax-deferred investments, or $604,000. I believe I would get a deduction of $120,800.

$274,000 – $120,800 gives me $153,200 in which I owe taxes. Note I would not get to subtract the $24,000 standard deduction, as I am itemizing deductions instead based on that whopping $330,000 donation.

Plugging numbers into TaxCaster, I come up with $21,583 in federal income tax due in this scenario.

FICA taxes without an employer paying a portion would be $15,922 for Social Security and $21,365 for Medicare (they don’t care about my generosity) for a total of $37,287 in FICA tax. Half of this would be deductible on the federal income tax, and that would slightly alter this calculation but we’ll dismiss that for this thought exercise.

Finally, paying my 5% to the state on the $153,200 gives me $7,660 in state tax.

Therefore, if the site had been much, much more successful last year, I would have owed a grand total of $66,530 in total tax.

That’s under 7% of the million-dollar dream revenue. Generosity pays! The figures above, of course, ignore my clinical income, which may very well be going away after August of 2019.

*At some level of income, it might make better sense to make all Roth contributions to take full advantage of the Sec 199A deduction. The White Coat Investor covers this calculation in great detail.

Is it Better to Earn More?

Let’s summarize what we learned about these fictional one-income couples earning one million dollars over various periods of time.

  • When earned over 10 years, the total tax is about $100,000.
  • When earned over 4 years, the total tax is about $205,000.
  • When earned over 1 year, the total tax is about $365,000.

While higher earnings are taxed at a higher percentage, the fact remains that the more you earn per year, the more you have at the end of the year. The couple earning $1,000,000 a year would have over $6.5 Million in after-tax pay after 10 years.

In these examples, the first $60,000 or so dollars are clearly the most valuable dollars as the tax owed is completely offset by the child tax credit on two kids.

Once you’re in the 37% tax bracket and completely phased out of the child tax credit, each additional dollar earned results in about 58 cents in your pocket.

This simplified example ignores the Alternative Minimum Tax (AMT), which now affects far fewer people than it did prior to the Tax Cut and Jobs Act.

What’s perfectly clear in these examples is the progressive nature of our income tax structure and the diminishing returns of additional dollars earned in a given year.

Conversely, we also see the regressive system in place to fund Social Security. The couple earning $100,000 paid nearly as much for the Social Security portion of FICA as the million dollar earners. The Medicare Tax, on the other hand, is a progressive tax with two tiers.

For the same amount of work, I’d take a higher salary eleven times out of ten. However, when you realize that you’re maybe keeping a little more than half of any extra money earned once you’ve got the salary of a physician specialist, more work for more income becomes less appealing.

How I Have Applied These Principals to My Own Life

Personally, I took advantage of the progressive nature of taxation in my own life when I started working part-time over a year ago. I calculated that the shifts I gave up were the shifts that paid 30% less after tax than the shifts I was keeping.

We also considered the role of our marginal tax rate when deciding whether or not my wife would work as a dietitian after our children were born. Knowing that a $40,000 salary would only add maybe $20,000 to $25,000 to our bottom line and factoring in the cost of childcare, the correct decision for our family was obvious.

Dual physician households will face similar calculations. When the work is stressful and long, and your kids spend twice as much time with their nanny than you, keeping half of a $200,000 salary may not seem so appealing, either. You can always run the numbers based on your individual situation using TaxCaster.

Signs You Should Refinance Your Home With a Physician Home Loan

doctor

 

Perhaps you bought your home ages ago before you realized there are special physician mortgages that offer you a better deal. Maybe you joined the medical community later in life after you already took out a mortgage on your home. Maybe you’re buying your second home thanks to the job security offered by your career in the medical industry. If you want to spend less, watch for signs that you should apply for a physician home loan instead of going through the traditional banker route.

You Need a Lower Interest Rate

The primary advantage of physician mortgage loans is their often-lower interest rates. The less interest you pay, the more money you’ll have available to pay back medical school debt or send your own kids to college. If you continue to make payments at the same rate as you currently do, you’ll pay off the mortgage sooner if the rate is lower, too.

You Want to Pay Less

Lower monthly payments are possible with home loans tailored for physicians. However, in a sense, it’s also possible to “create” cash when buying a second home because you could qualify for a lower down payment or even a zero dollar down payment, meaning you’re free to spend more of your money on other things instead of investing it all into the house upfront.

Your Mortgage Is Decades Old

Unless you locked in a stellar mortgage rate, chances are, you missed out on a number of better loan opportunities in the years since if your current mortgage is decades old. If you’d rather invest your cash or, due to a medical school loan, you don’t have the extra cash to spare to pay off the mortgage, refinance with a physician loan instead.

Contact Physician Mortgage Specialists at (800) 667-9516 to learn how you can get your physician home loan fast. With lower interest and low down payments — sometimes even zero dollars down — it makes sense to take advantage of the special considerations offered to you as a medical professional. Call us or fill out our online form today.

3 “Bedside Manner” Characteristics of a Good Home Loan Offer

doctor

 

As a practicing medical professional, you’re more than familiar with “bedside manner” and how much better it is for your patients when you’re sympathetic, patient and understanding. As a person who does so much to help other people, you should be able to expect that from the businesses you patronize.

When looking to secure a home loan, consider a loan program tailored to medical professionals that exhibit some of those “bedside manner” characteristics that work so well in your office.

Flexibility

The biggest advantage of physician home loans over traditional loans is that these loans often offer lower interest rates, lower monthly payments, and lower down payments — sometimes even zero-dollar down payments. Just as your medical office works with patients to offer payment plans and financial aid as needed to get them the treatment required to make them feel better, the best loan offers are flexible to meet your needs.

Fast Service

The longer a patient goes without treatment, the worse her medical issue becomes. The longer you have to wait to get the mortgage you need, the more problems you’re likely to face, like missing out on the house of your dreams and extending a rental agreement you didn’t want to extend. Fast approval and service is key when looking for a mortgage.

Open Communication

Your office is always available to answer your patients’ questions. Your loan program should also be clear about everything you can expect and eager to answer any questions you have. With Physician Mortgage Specialists, you get another team of professionals to assist you and make sure you’re confident in the loan you choose.

Contact Physician Mortgage Specialists at (800) 667-9516 to get the ball rolling on your physician loan mortgage application. We provide access to some of the most competitive mortgages in the country, specifically those that offer something extra to medical professionals. Get your free consultation today.

How Physician Mortgage Loans Work

house key

Physician mortgage loans are a specific loan that many young doctors and physicians are not aware they are eligible for. To learn more about how these loans work and if you qualify, please read on!

Who Can Get a Physician Loan Mortgage?

Anyone who is a medical resident or a licensed medical doctor is eligible for a physician loan mortgage. Some of the types of doctors or physicians that qualify are as follows:

  • Dentists
  • Ophthalmologists
  • Osteopathic Physicians

The reason a lot of banks are willing to give a physician loan mortgage to doctors or physicians are because of their future or current earning power. As long as your credit score is decent, you will most likely qualify for a physician mortgage loan.

What You Will Need to Apply For a Physician Loan Mortgage

The documents you need when applying for a physician loan mortgage will depend on the bank but some of the typical documents are:

  • Social Security Number
  • Government-issued photo ID
  • W2’s from your employer
  • Documentation of Personal Tax Returns
  • Proof of Employment
  • Documents of Past Payments (utility bills, phone bills, car insurance, etc.)

 

For more information on obtaining the best physician loan mortgage for you and your family, please trust in the experts at Physician Mortgage Specialists. To learn more about how our high quality services can help you, please give us a call today at (800) 619-2174.

In What Circumstances Could a Medical Student Qualify for a Physician Home Loan?

doctors

Physicians who want to own a home can benefit from the mortgages offered exclusively to medical professionals. With low interest rates and low down payments — sometimes even zero dollar down payments — these loans are a boon for anyone struggling with medical school loans on top of all of her other bills shortly after becoming a doctor. As a medical student, you might want to get a head start on your new life and buy a house or condo; however, there are only a few circumstances in which you’d yet to qualify.

As an M4 Student With Residency Contract

M4 students in their fourth year of medical school can qualify for physician home loans if they have a signed residency contract in hand — these are typically available three to four weeks after Match Day (most often mid-March). You will also need to have saved enough to cover the payments necessary before you begin drawing your residency salary, as you may be required to show proof of funds.

As a Resident

M4 and M5 resident students qualify for most physician mortgages. However, consider the fact that a sizable number of residency students go on to accept permanent assignments at other facilities, sometimes even in other states. Buying instead of renting during this time means you’ll have to sell and buy again once you move; still, if the housing market is good, you won’t have a difficult time selling the property and you’ll get all or even more than your investment back.

Fellows

Medical fellows also qualify for physician loans in most cases. Because you’re drawing a steady salary, you’ll be able to demonstrate a long-term ability to meet your payments. Plus, many fellows go on to practice where they complete their fellowship, so you’ll be in a good position to buy.

If unsure whether or not you qualify for a physician mortgage, please contact Physician Mortgage Specialists at (800) 667-9516. If you don’t yet qualify, you’re likely to qualify soon, once you start practicing, and we’re here to help you pinpoint the perfect time to apply. If you can’t wait to buy a house, it’s possible to refinance at a later time once you’ve begun practicing as well.

Should You Pay Off Med School Debt Before Buying a Home?

doctors

Whenever you get a paycheck, it seems like most of that check goes straight to bills — including that large, seemingly insurmountable bill that people outside of the medical profession don’t often have: the large medical school loan.

If you only pay the minimum amount each month, it’ll take you years, maybe even decades, to pay it back. When you have extra money, then, it’s tempting to pay off more toward your debt, but then you might feel like you’ll never accomplish your dream of home ownership. Fortunately, you can learn how to do both.

Get a Low (or Zero) Down Payment

If you use Physician Mortgage Specialists to locate home loans for doctors for you, you can count on getting the lowest possible down payment — in some cases, even zero dollars down is possible. Not having to save up for this large down payment (usually about 20 percent of the cost of a home through typical mortgage channels) means you can put the money you otherwise would have used for a down payment toward your school loans instead.

Get a Low Rate

Locking in a low mortgage rate with our help also frees more of your paycheck to put toward paying down debt. With a low-rate mortgage and low monthly mortgage payments, you can afford to have both an unpaid school loan and a mortgage at the same time — a must for starting a family or breaking away from the often more expensive life of a renter.

Stack Your Debts

Add up all of your bills and minimum loan payments (school, mortgage, and anything else left unpaid, such as credit cards and car loans) and deduct it from your monthly income. Decide how much more you can afford to pay each month while still earmarking some money for savings.

Put all of that excess toward your credit cards, car loan, or school loan. Once that loan is paid off, transfer the entire amount you paid monthly on that loan to the next. Eventually, you’ll be debt-free.

In the medical profession, you have enough on your schedule every day. Let us do the hard work of finding the best possible mortgage for you. Learn more about doctor mortgage loans by giving us a call today at (800) 619-2174.

How to Afford a House Sooner After You Graduate from Medical School

woman with calculator

While it may be one of your dreams to own your own home or condo, if you’ve spent years in medical school and have gone into tens of thousands or even hundreds of thousands of debt to make your dream of becoming a medical professional come true, you might think you can’t afford home ownership anytime soon.

On the contrary, home ownership will likely prove the most affordable housing option for a newly practicing medical professional if you know where to start.

Find the Right Mortgage

There are perks to seeking out doctor mortgage loans as opposed to traditional mortgages, including lower rates, lower down payments — and sometimes no down payment entirely, which means you won’t have to save up 20 percent of the total cost of the house or condo as you would with most mortgages. Set up a free consultation with Physician Mortgage Specialists and let us find the best mortgage for you.

Build Equity in a Smaller House

Your dream home may have four bedrooms and a picket white fence, but if you’re single, childless, or have only one child at this stage, smaller is better than bigger when you already have so much medical school debt.

Secure an affordable monthly payment and a low interest rate and choose a condo or small ranch house that costs less. Live there for at least a few years and when your family expands and/or you’ve paid down more of your debt, sell it, earn the equity, and invest in a larger home.

Stack Your Debts

Your first few years as a practicing medical professional will prove hectic. However, don’t let your debt and savings strategy go neglected during this time. Save some of your paycheck, but cut back on entertainment spending for at least a few months if not years to devote more of your check toward paying down your debt.

A Physician Mortgage Specialists representative is eagerly standing by to help you find a mortgage you can afford — with a low down payment or even zero dollars down. The right mortgage is key to home ownership sooner rather than later, and with the right rates and monthly payments, you’re likely to find owning more affordable than renting each month — which means more money for your school loans and other bills.

To learn more about securing the best physician loan mortgage, please give us a call today at (800) 619-2174!

Tips on How to Be Smart With Your Money

calculatorOne of the biggest mistakes younger people make is not saving enough money for the future. It is important to start young in order to build up a sizable amount that you can use post-retirement or for emergencies.

Be Frugal

A lot of young doctors make the mistake of living beyond their means because they are fresh out of medical school and earning substantial checks. However, it is better to set limits for yourself and be cautious of what you spend money on.

Build a Backup Plan

Life is unexpected and as a result, you should start setting aside money for emergencies. A great way to find out what amount you should save is to consider how much you spend a month. In this amount, you should include your rent or house payments, recurring bills (phone, cable, car payments, etc.), utilities, and an estimated amount for spending money. Once you figure out the amount, let’s say $1,000, you will want to increase that amount to accommodate up to three months of living expenses. By doing this, you can prevent having to use credit cards or taking out loans to cover possible job loss, medical emergencies, etc.

Pay Debt First

It should always be your priority to pay off your debt because if you let payments fall, you can risk owing even more money. Once you pay off at least the minimum amount for your debt, you should take the money that is left over and put it towards your safety net account.

 

If you are a doctor or physician and are interested in purchasing a home, look no further than the experts at Physician Mortgage Specialist!

Sign up today by filling out the form on our Homepage and you can expect a call from one of our experts within 30 minutes.

For any questions on services for physician mortgage loans, please give us a call today at (800) 619-2174 or email us at info@physicianmortgagespecialists.com.

Paying Off Debt Versus Investing Money

wallet

As a doctor or physician, your medical school debt is mostly likely a substantial amount. However, despite your higher income, it is very expensive to live your life. As a result, you want to both pay off your debt but also save money for the future. Read on to learn some facts about investing versus paying off your debt!

Paying Off Your Debt

Unfortunately, the debt you accumulated during medical school will increase in amount because of interest. Therefore, if you currently have loans with a high interest rate, you will definitely want to pay it off as much as possible. The reason is because no matter what you invest, you typically end up losing more money than gaining since the debt will increase faster than your investments. One way to pay off the debt faster is to consolidate them, if you can. This way, you will be paying one amount each month and it’ll be easier to organize and schedule payments. You should also pay the minimum amounts due for your debt on time because it will help you avoid extra interest, penalties, or ruining your credit score.

Investing

If you are looking to invest, one of your best options is to see what your current employer offers for a retirement plans. Most companies offer a 401(k) plan and they match a certain percentage of what you contribute to it.

Although your 401(k) is reserved for your retirement, it is always a great idea to save extra money with your own investments. The reason is because once you’re ready to retire, you might discover the amount from your 401(k) is not enough to sustain your post-retirement lifestyle. To figure out how much to save, you should think about what you want to do when you’re retired, what the benefits from your Social Security will be, the amount from taxes, and estimated investment returns. To figure out which accounts to invest in, you will want to determine your future tax bracket and the fees on your investment account.

 

For more tips on saving and investing, please refer to our blog often!

 

If you are a doctor or physician and are interested in purchasing a home, look no further than the experts at Physician Mortgage Specialist! Our professionals will help find the best physician home loans for you.

Sign up today by filling out the form on our Homepage and you can expect a call from one of our experts within 30 minutes.

For any questions on services for physician mortgage loans, please give us a call today at (800) 619-2174 or email us at info@physicianmortgagespecialists.com.

Mistakes to Avoid When You Borrow Money

moneyIt can sometimes be difficult for young doctors to procure a loan but the bigger issue is when they qualify but rush into picking a loan. Read on to learn some of the mistakes doctors make and how to avoid them!

Research Bankers and Loan Lenders

A big issue doctors run into when taking out a loan is not taking enough time to research and properly choose a bank or lender. The process of picking out a loan can get overwhelming because you feel pressured to get the money you need right away. However, choosing a loan is an important process and one you need to be cautious with because it will save you money and worry in the long run. With the help from the experts at Physician Mortgage Specialists, we can ensure you get the best physician loan mortgage for your needs.

Borrowing for the Wrong Reasons

If you are trying to take out a loan to cover the operating costs of your practice, this is usually a bad sign. For example, if you are short on rent money or payroll, you should reconsider some budget costs instead of borrowing more money. In many cases, if you have an established practice, it will be difficult convincing a bank or lender to give you money.

Not Budgeting Properly

It can be tempting to buy the latest technology and other fancy gadgets but if you don’t really need it, you should reconsider swiping your credit card. When you are selecting equipment and technology for your practice, you want to think about whether or not the new technology will pay for itself before it needs replacing or repairing.

Not Paying Attention to Paperwork

This is a common mistake for doctors who are signing for a loan with a partner. Always read the clause when signing for a loan because if you want to leave the practice you are at, you might still be liable to pay the loan back. If you are liable, this will be especially troublesome if your old practice defaults on the loan.

 

For more help on learning about loans, especially home loans for doctors, please trust in the experts at Physician Mortgage Specialists!

Fill out the form on our homepage to hear from one of our physician mortgage loans specialists within 30 minutes.

For any questions, give us a call today at (800) 619-2174 or email us at   info@physicianmortgagespecialists.com.