Your #1 online source to compare Doctor Home Loans from top banks
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Our Story​
ShopDoctorLoans.com or what we internally call "SDL" was created when our team recognized the need to build trust amongst the medical community with regards to mortgage lending. We recognize the unique needs of many in the medical profession and seek to emphasize that our team is comprised of individuals who are not only experts in physician lending but are also good and trustworthy people who genuinely enjoy helping YOU. Many of the loan originators that "compete" for your business on our platform are actually friends with one another and they understand the concept of "clients for life", having personal qualities that have become more and more elusive as the days go on. So if they ever feel as though they are not the best possible option for you, they will let our team know and we will find another option.
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SDL is a privately sponsored platform and we do not collect any fees whatsoever from any of our lending partners (aka the "Doctor Loan Specialist" that contact you). Yes. You read that correctly. We do not charge for our services. It is free for you and free for them. We are absolutely obsessed with the word "TRUST". This word is the lifeblood of our culture. So please feel assured that you came to the right place and that your online shopping experience for physician loans will always have a home with SDL.
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Thank you for reading. I hope you enjoyed our story and you want to build trust with us as fervently as we want to build it with you. Whether you are a veterinarian getting ready to heal the beloved family pet, a trauma surgeon getting ready to save another life, or a dentist healing a toothache we have you covered here at SDL when you are ready to buy a home.
Top Five Reasons to use SDL
#5: Low rates and knowledge - The interest rates on Physician Loans are not universal. For example when someone applying for an FHA, VA, or conventional loan watches the news and hears that rates are dropping or rising, they can expect the next conversation with their mortgage company to reflect this news. However, a Doctor Loan is often a portfolio loan program (meaning the loan is not sold on the secondary market and kept in-house) where (in addition to market factors) the rate could also be dictated by a lending institution's appetite for a specific clientele (eg "healthcare workers"). This is why you will often see banks give hefty rate discounts when a physician or wealth borrower opens a checking account or when a borrower makes a large deposit into their new account with the institution (sometimes, not always).
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#4: Loan Officers are welcome - As we grow to become a national platform, we will inevitably have the need to grow our network. So if you are interested, please don't hesitate to reach out to us via email at info@shopdoctorloans.com. Assuming we don't already have a partner from your company, our team will email you a survey that you must send to 5 clients that have done a loan with you within the last 12 months. When all 5 surveys have been returned to our team directly from your clients, we will add you to our network. You have the option of posting your client's testimonials on our site.
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#3: Experts Only - Something that we are very proud of is that we do not charge our loan officer partners to be on our platform. They are here because they are the best by our definition that holds trust as the most important factor. It's not always the loan officer that closes the most volume that is the right fit you. They might know their product well but often fall short when it comes to knowing your needs personally because they are juggling such heavy pipelines. We want our partners to build lifelong relationships and friendships with you.
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​#2: The Rate matters most,...or does it? Here's the honest truth. The rate matters most......SOME of the time. If you are one of those rare applicants that can apply at multiple lenders and get approved by each one with no tweaking then this is wonderful and you are fortunate. May the best rate win! But Physician Loans are different and each bank has it's own unique set of regulations. Getting denied a loan is not always due to a lack of credit worthiness. Sometimes it can be the style of home your purchase, the amount of time you have been practicing medicine, your license type, a few words in your employment contract for a new job (where one underwriter might like it while the other doesn't), the list goes on! Our partners from the many banks you see out there are trained to find these nuances. So our main goals are not only that you get a good rate but also that you have a smooth ride. After all, it is the smooth ride that gets you home safe (pun intended) and (although preferred) not the lowest price on gas!
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#1: THE NETWORK - This is one of the main things that distinguishes us from other platforms. Our partners do not pay for our services. We are privately sponsored. They understand that they must continue getting good surveys in order to stay with us...and they do! We stand by our partners, they stand by each other, and we all stand by YOU. You are the reason we love what we do! We will work hard to keep this a free service.
