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Purchase or construction loan amounts of $150,000 or greater will receive a $500 Gift Card. Your local credit union, a national credit union, or an online bank might suit you better. border-spacing: 2px;
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This includes home and auto loans. border-color: red !important; input[type="radio"] font-size: 13px; padding: 6px 10px; }.form54 }.form54 vertical-align: middle; Rates as of July 21, 2022 9:30 AM CDT and are subject to change throughout the day. font-style: italic; font-size: 14px; }.form54 .warning *, .form54 Suitable for frequent movers and those wanting the flexibility of a shorter term. z-index: 10; display:inline-block; }.form54 border-radius: 5px; display: inline-block; }.form54 outline:none !important; .page_deactive { line-height: 35px; margin: 0px; border-top: none; padding-right: 5px; If you do, youll receive: You might have to deal with clunkier technology and the hassle of depositing cash from time to time, but in this case, these few cons do not outweigh the pros. border-collapse: separate !important; Does Your Specialty Match Your Zodiac Sign? .wdform_grading input { hbspt.cta._relativeUrls=true;hbspt.cta.load(20233990, '2de6c04d-92d9-4b8b-8e68-48bc36c6689f', {"useNewLoader":"true","region":"na1"}); hbspt.cta._relativeUrls=true;hbspt.cta.load(20233990, 'b94e08eb-3844-4aba-91a9-13717de08e6e', {"useNewLoader":"true","region":"na1"}); If you're a doctor, dentist, pharmacist or veterinarian in Michigan, we salute you. Whether it's a new car or used one we have financing options for you. The rate on 80% adjustable-rate home equity line of credit is the prime rate as published on the first business day of each month in the Wall Street Journal. }.form54 border-spacing: 0px; They are battle tested, seasoned, and recommended by your peers. text-align: left !important; display: none; .wdform_map { font-size: 23px; }.form54 However, it often pays to shop around and compare qualifying offers. textarea:focus{ display: inline-block; Banking is something to which most physicians give little to no thought. .ui-slider { For assistance, call (812) 477-9271 display: none;
vertical-align: middle; Click here to view our accessibility statement. Purchase or construction loan amounts of $150,000 or greater will receive a $500 Gift Card. This offer is available on conventional conforming financing of purchases for primary residences only. .wdform-calendar-button, .form54 { In most instances, a doctor has had the same bank since they were old enough to have an independent account, and thats that. Your Financial Journey. Set your mortgage loan payments to be automatically paid from your ETFCU checking account. color: #000;
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Call us today at 269.544.3105 and find out what our team can do for you! color: #787878;
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Rates listed are specific to the Physician Loan mortgage program. Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions. }.form54
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An external sites privacy policy may differ from Evansville Teachers Federal Credit Union's. Financing up to 100% of the cost of single-family homes, No Private Mortgage Insurance (PMI) payments, Easy application process with a quick response, Best estimates of income, assets, and liabilities, Help you select the best program and interest rate.
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Two years federal tax returns, including tax applicable schedules if you are self-employed, have rental income, farm income or additional non-W2 reported income. {
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All mortgage rates include Extra Credit Discount. visibility: hidden;
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After the initial seven year period, your interest rate can increase or decrease biannually based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the Secured Overnight Financing Rate (SOFR) index as published on the New York Federal Reserve website, plus our margin, which varies among ETFCU adjustable-rate mortgage products. If you have a Max-Rate Checking Account with. It's easy to open your account online or switch your account to become an Arbor Financial member. background:url(https://www.doctorloanprograms.com/wp-content/plugins/form-maker/images/09/previous.png) no-repeat left #F1F1F1;
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The reasons speak for themselves. Get financially fit by adding power to your portfolio. opacity: 1 !important;
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For example, Ally refunds any ATM fees up to $10 each month. font-size: 18px;
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A sample principal and interest payment on a (30)-year $500,000 adjustable-rate loan amount with a 3.500% interest rate (3.575% APR) and 20% down is $1852.46. float: left;
And before we write another sentence, lets be clear: PhysicianSense and MDLinx receive no compensation if you should choose to bank with any of these institutions. background: #fff;
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Another way credit unions and online banks pass savings along to their customers is with lower interest rates on loans. }.form54
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Alliant will spot you up to $20. border-spacing: 0px;
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Contact an ETFCU mortgage loan officer for further details. The interest rates they offer will depend on individual credit scores, so keep that in mind. cursor: pointer;
.wdform_percentage_text { display: table-row; Prior two years employment information including employer contact and dates of employment. height:initial !important; vertical-align: middle; }.form54 font-size: 16px; background-color: #000; padding: 1px; line-height: 22px; border:1px solid #B7B7B7; Get MORE access to your money with Arbor's mobile app, digital wallet, and access to over 30,000 surcharge-free ATMs. font-size: 18px; Interest rates are what they are at the moment. { display: inline-block;
margin: 0px; .captcha_refresh { height: 22px; Taxes and insurance are not included; therefore, the actual payment obligation will be greater. width: 30px; .phone_number { text-align: right !important; input[type=url]{ position: absolute; display: table; width:100%; Start saving for the longer term with competitive rates and certain tax advantages. Refinancing can be a great financial move by lowering your auto payment or shortening the term of your loan. Ive made it real easy. }.form54 margin-left: 25px; Explore different options to finance college tuition and more. .wdform_section .wdform_column:last-child { 10 Impressive New Medical Devices to Close the Decade, Critical student loan forgiveness updates that doctors must know about, The best budgeting apps for doctors of every career stage, The cure for physician burnout: Financial independence, 13 frightening things physicians do with their money, Love in the time of COVID: How the pandemic affected physician romance, Doctors should scoop up these Black Friday deals before theyre gone, The doctors guide to surviving the 2021 holiday travel season, Three ways data analytics can help physicians, Cannibalism as medicine: Forgotten medical history. padding: 3px 4px; background: #8A8A8A !important; .time_box { height: 22px; width: 105px font-size: 23px; border-width: 1px; .wdform-calendar-button:hover { margin: -4px 5px 5px 5px; }.form54 Boost your financial knowledge through our free interactive online courses. . All mortgage rates include Extra Credit Discountand require credit and loan approval. cursor: pointer After the initial seven year period, it is possible that the interest rate, APR and payment may increase substantially over the remaining term of the loan. width: inherit; height: 29px; .wdform_separator { If not, we plan to put one there with these home loans with special terms. vertical-align: middle; line-height: 16px;
border-radius: 0px; vertical-align: bottom; margin: 5px; }.form54 border: 0px; }.form54 Found your dream home, but it needs a few small fixes. Our 95% adjustable-rate home equity line of credit has the same benefits and uses the same index with a rate of 1.5% above the prime rate. font-size: 18px; .sel-imul .sel-selected { }.form54 There are a few drawbacks that you need to know about. border:1px solid #B7B7B7; padding: 0px; }.form54 { display: inline-block; background: #F5F5F5 !important; .wdform-matrix-row1 { border-color: #dbdbdb; Compare that to $27 with Chase. Lets say you have a 3-month emergency fund of $30,000 sitting in either of those savings accounts. color: #999999; height: 26px; Alliant will spot you up to $20. border-right: none; .button-submit { position: absolute; float: left; }.form54 border-radius: 0px; vertical-align: top; margin: 0px 0px 0px 40px; a.ui-spinner-button For those who loathe to speak to an actual human being, Ally offers chat-based support around the clock. .page_numbers { Evansville Teachers Federal Credit Union neither endorses nor guarantees any product, service, information, or recommendation made at an external website. margin: 0px; }.form54 width: 100px; min-height: 35px; font-size: 16px; select, .form54 line-height: 17px; Low rates and fast approvals put you in the driver's seat. If you need to reach your bank at 3 a.m. on Christmas Day after your shift ends, then the bank needs to answer the phone. color: #000; .wdform_section_break { display: table-cell; All of the loan officers listed here specialize in working with doctors ONLY. Launch a lifetime of smart savings habits with our offerings for young children (12 years old and younger). }.form54 function before_submit() { We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Arbor Financial. }.form54 textarea{
margin-left: 10px; .sel-imul.act .sel-selected { border: 6px solid #fff; }.form54 What information will ETFCU need to process my application? width: 41px; This program is available to residents, fellows, new, and established physicians alike.
.error }.form54 height: 23px; text-align: center; background: #F8F8F8; Purchase or construction loan amounts up to $149,999 will receive a $250 gift card. display: inline; 2004 - 2022 Evansville Teachers Federal Credit Union. Gift card offer is available on financing of purchase or construction loans for primary residences only. color: #000; color: #6E6E6E; }.form54 height: 38px; padding-left: 5px;
margin: 0px; Any change may significantly impact your monthly payment. width: 30px; Get MORE peace of mind when you move forward with your financial plans with Arbor Financials wealth management program. input, .form54 font-size: 12px; Rates accurate as of July 21, 2022 and are subject to change throughout the day. .wdform-page-and-images { border: 2px solid #68943B; }.form54 View fraud prevention tips and common scams in the area. You treat our minds and bodies and attend to our beloved pets. margin: 0px; display: table-cell; }.form54 Flexible terms and stable monthly payments. overflow: hidden; cursor: pointer; height: 22px; Get MORE options with a home loan from Arbor Financial. }.form54 border: 1px solid #B7B7B7; Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor. vertical-align: middle; For more information about this Program contact a Team One Mortgage Expert by calling 888-288-3261, click for Online Chat or visit the Team One Credit Union branch location nearest you. cursor: pointer; Get peace of mind with our 24/7 protection through ID protect and Total Identity Monitoring. border: none; ($5,000 minimum balance), you wont pay any ATM fees. .captcha_input { input[type=password]{
font-weight:bold; // border-left:1px solid #bbb; Offer available for new primary mortgage loans and mortgage loans already established at ETFCU when refinanced with at least $10,000 new money. }.form54 .wdform-matrix-table { .sel-imul { color: #fff; vertical-align: middle; }.form54
float: right; }.form54 color: #000 margin: 2px 0px; outline: none; Learn all the features and functions that mobile and online banking offers.
color: transparent; background: transparent; .sel-imul:hover .sel-selected .sel-arraw { min-width: 80px; max-height: 200px; }.form54 border-radius: 0px; // before form is load We just happen to think theyre better for doctors. margin:0; Do you want someone from this bank to contact you? .sel-imul.act .sel-selected .sel-arraw { Protect your home and auto through a trusted company with over 80 years of experience. margin: 5px; }.form54 .wdform-page-and-images .other_input }.form54 Discover the mortgage that's right for you. text-align: left; They offer a 1.7% savings APY. }.form54 vertical-align: middle; background: #fff; However, wouldnt it be better if your bank worked for you and not against you? input[type="text"]:focus{ }.form54 Bank anywhere. color: #8A8A8A; }.form54 For assistance, call (812) 477-9271 or 1-800-800-9271, Option 2. border-radius: 13px; Perhaps one of the most obnoxious things about major banks are ATM fees. Is there a doctor in the house? .wdform-matrix-row0 { cursor: pointer; }.form54 }.form54 Learn to manage your money at your pace with help along the way. On the whole, however, physicians will find the level of customer support that they deserve, along with the financial perks that theyre currently missing out on, by switching to an online-only bank or credit union. }.form54 .wdform-matrix-cell { padding:0 3px !important; // before form reset display: inline-block; .sel-selected .sel-arraw { padding: 0px; font-family: Segoe UI; What most physicians dont realize is that theyre getting robbed by exorbitant fees, slighted with shoddy customer service, and under-compensated by pitifully low interest rates. }.form54 .wdform-date { }.form54 }.form54 .ui-corner-all { Actual interest rate may vary based on credit history. Drop your name and phone number in the form below and Ill let .selected-text { display: table-cell; .sel-options .sel-option.sel-ed { Open a checking account with a debit card. padding: 5px 25px 0px 25px;
}.form54 }.form54 Take advantage of these great Physician Loan rates today! .wdform-matrix-cell select { position: absolute; }.form54 .ui-slider-range { cursor: pointer; button, .form54 height: 16px; border: none; .forlabs { width: 13px; With Ally, youre earning almost $514 per year in interest. cursor: pointer; padding: 2px; Drivers license or state issued identification card. padding: 3px 0px; }.form54 Bank anytime. outline: none; }.form54 .wdform_footer { This special mortgage program was designed especially for Physicians and Healthcare Professionals. }.form54 .wdform-matrix-column {
.wdform-quantity { Consider, for example, the digital bank Ally. background-color: white; height: 20px; .button-reset { color: #000; cursor: pointer; margin-right: 20px; padding: 0px; .form-error { }.form54 textarea { color: #888; border-radius: 0px; border-radius: 0px; text-align: center; Ask your loan officer for more details. textarea .page-numbers { padding-top: 15px; Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. But how many years would it take to save up the lump sum youd need to pay for a house in full? }.form54 }.form54 max-width: none; min-width: 140px; You need a bank. Discover opportunities to improve your credit score and grow your money management skills. Youve decided to purchase a home. }.form54 By accessing this link, you will be leaving Arbor Financial's website and entering a website hosted by another party. }.form54 }.form54 border-width: 0px; padding: 0px; Certain product exclusions may apply. .wdform_section { line-height: 35px; Prior two years addresses and dates of residence. Protect your assets. color: #000000; .file-upload-status { background: #F0EFEF; 888-288-3261 | 520 Hayden, Saginaw, MI 48607 | Routing Number: 272484470, Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. padding: 5px; border:none !important; display: table-cell; Interest rates are what they are at the moment. Available to residents, fellowship, newly established, or established physicians with MD, DO, DDS, DMD, OD, or DP credentials. Additional information may be required such as Divorce decree (if applicable) and/or proof of extra income such as rental income, dividends, Social Security, retirement, disability, pension, or welfare (supporting documentation is required).
font-size: 15px; select { NMLS# 518136. margin: 16px 0px; height: 6px; background-color: #F1F1F1; color: #000; .next-page div.wdform-page-button { Not valid in combination with any other offer. box-shadow: 0px 0px 2px #c9c9c9; Its time to switch to an online bank or credit union. font-size: 12px; padding: 5px 25px 0px 25px; textarea { font-size:14px; height: 27px; }.form54. }.form54 background-position: right 2px center; Equal Housing Lender. display:inline-block; vertical-align: middle; Click here to view our accessibility statement. margin: 5px; outline: none; color: #FFF; padding: 0px 20px; These smaller organizations dont always have the best tech. button { background: transparent; *Gift card offer is available on financing of purchase or construction loans for primary residences only. }.form54 width: 22px; It isnt all wine and roses when banking with an online bank or credit union. Copyright 2022 Doctorloanprograms.com -, The New Normal: Housing Market Expected To Remain Strong Through 2022. }.form54 More than 70% of Americans consider homeownership to be an important part of the American Dream but buying a home can be one of the most expensive, albeit rewarding, decisions youll ever make. margin: 0px; Most recent flood insurance declaration page (if applicable). Meanwhile, if youre banking with, say, Chase, youre receiving a .09% APY. background: #F8F8F8; }.form54 input[type="checkbox"] ETFCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Most recent W2 and pay stub for all income sources. }.form54 color: #FFF; // background-color:#e0e0e0; Meanwhile, if youre banking with, say, Chase, youre receiving a .09% APY. .wdform_scale_rating label { left: -22px; Apply online or call us today at (812) 469-9928 or 1-800-800-9271 to get started. By Jonathan Ford Hughes on December 17, 2019. A lifestyle blog for healthcare professionals, brought to you by MDLinx. border-radius: 0px;
This is important to consider if youre a technophile. Not valid in combination with any other offer. .wdform_page_navigation { outline: none; border-radius: 0px; When it comes to finding a better bank or credit union, the best solution is often to pick one that exists only online. text-align: right !important; Explore helpful articles featuring financial tips, how-tos, news, and more. However, wouldnt it be better if your bank worked for you and not against you? margin: 1px; background: #000; The other con worth considering is more relevant to credit unions. white-space: nowrap; cursor: pointer; height: 16px; text-align: right; }.form54 Offering seriously reduced fees as you learn to manage your money. overflow: hidden; input[type=email]{
float: left; Designed for teens (age 13-18). border-radius: 0px; border: 1px solid #fff; position: absolute; height: 22px; An ARM is an adjustable-rate mortgage that has an initial interest rate for the first three, five, seven or ten years and an adjustment interval of six months thereafter. border:1px solid #B7B7B7; float: right; }.form54 ETFCU mortgage lending product availability may vary based on property location. display: inline-block; }.form54 cursor: pointer; background:url(https://www.doctorloanprograms.com/wp-content/plugins/form-maker/images/10/next.png) no-repeat right #000; Purchase or construction loan amounts up to $149,999 will receive a $250 gift card. border:none !important; 100% financing up to $970,800 loan amount, 95% financing for $970,801 to $1,500,000 loan amounts, 90% financing for $1,500,001 to $2,000,000 loan amounts, Purchases and rate/term refinances are eligible, Receive up to a $500 gift card at closing*. width: 100%; .wdform_colon { .warning, .form54 display: inline-block; border-left: none; font-size: 20px; For Residents & Fellows, MD, DO, DDS, DMD and other designations maybe acceptable, 30 and 15 year fixed as well as 5, 7, and 10 year ARMs Min FICO credit score 700, 95% loan-to-value (LTV) to $1 million 90% loan-to-value (LTV) to $1.5 million, 85% loan-to-value (LTV) to $2.0 million 80% loan-to-value (LTV) to $4.0 million, No Private Mortgage Insurance (PMI) required Personalized Credit Union Service, Loan options available for purchase, as well as rate/term refinances, Eligible property types include owner-occupied primary residences, Available for 1-unit single-family homes, attached or detached, planned unit developments. { .wdform-field { If you have a Max-Rate Checking Account with E-Trade Bank ($5,000 minimum balance), you wont pay any ATM fees. .file-picker { Many credit unions and online banks will cut you breaks here. color: #FFF; background: url(https://www.doctorloanprograms.com/wp-content/plugins/form-maker/images/10/02/upload.png) no-repeat; { .wdform-required { margin-top: 15px; text-align: left; width: 100px; border: 0px solid white; That being said, you likely wont get rich by smart banking alone. issues when accessing online banking. We just happen to think theyre better for doctors. .wdform_section_break2 { width: 30px;
Bank online, with our mobile app, or visit one of our offices in Caledonia, Hudsonville, Kalamazoo, Lawrence, Paw Paw, Plainwell, Portage, Three Rivers, or Wyoming, MI. input[type="password"]:focus{ }.form54 min-width: 80px; font-size: 13px; vertical-align: top; By skipping this step all together, online banks and credit unions tend to pass the additional savings along to customers. input[type="password"]{ And before we write another sentence, lets be clear: receive no compensation if you should choose to bank with any of these institutions. position: relative; display: inline-block; Keep moving ahead with no minimum balance or monthly service fees slowing you down. background: #DFDFDF; The optimal solution might not be a traditional bank at all. }.form54 font-family: Segoe UI; .file_upload { border-radius:0px !important; width: 60px; This includes home and. .wdform_line { }.form54 background-color: #F0EFEF; height: 16px; Save for holidays, vacations and all the special moments in between. input[type="text"]{ font-size: 10px; Take on the open road with two wheels and low rates for all types of motorcycles. position: relative; The National Credit Union Administration is a U.S. Government Agency. All rights reserved. text-align: left; Anecdotally speaking, as an 8-year Ally customer, on the rare occasion Ive had to call them, I dont think Ive waited longer than a minute to speak to a representative. select { }.form54 background: #F8F8F8; border-radius: 0px; display: none; If the bank or credit union doesnt have physical locations, youll have to deposit cash at one of the institutions ATMs. Higher interest rates on savings accounts, .