In this episode of The Loan Doctor Podcast, host Sean Shallis breaks down a crucial question from a physician homebuyer: Why is my mortgage rate different from what I see online?

Sean explains the importance of rate locks, how they work, and why strategic mortgage planning is essential—especially for physicians purchasing new construction homes. He covers:

✅ Why rates fluctuate daily and how market conditions, like Fed rate decisions and treasury bond demand, impact mortgage rates.

✅ The cost of locking in rates early versus waiting for potential market drops.

✅ How physician mortgage loans differ from conventional loans, including waived PMI and portfolio lending benefits.

✅ Why physicians should think long-term—leveraging real estate appreciation, refinancing, and using equity to build wealth.

✅ Why renting is costing you more than you think and how tax advantages make homeownership the ultimate wealth-building tool.

Sean also shares his 30+ years of experience in mortgage strategy, Wall Street insights, and why working with a knowledgeable loan officer makes all the difference.

💡 Thinking about buying, refinancing, or optimizing your mortgage? Connect with Sean Shallis, The Loan Doctor for expert guidance and exclusive physician mortgage benefits.

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