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I'm in a similar situation as friguy3 and am planning on taking advantage of a buyer's market with reasonable mortgage rates. The physician loans still exist, depending on the state, and will provide 100% financing without PMI. BBVA Compass, Suntrust, First Citizen's Bank are several examples.
Frig, with an FHA loan, you don't need any money in the bank-you can have the 3.5% downpayment gifted to you.You can also have the seller pay your closing costs up to 6% of the purchase price.
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