Dentist Mortgage Arlington Texas

Preferred Dentist Loan Officer

Doug Crouse
NMLS# 363861
Mobile: (816) 728-3631
Email: doug.crouse@umb.com
Website: www.DentistLoanExpert.com

Purchase Loans

  • 100% financing up to 750k
  • 95% LTV from 750k – 1.25mil
  • 90% LTV from 1.25 mil to 2 mil
  • Over 2 mil on a case by case basis

Available for Primary & Secondary Residences

  • Professional loan includes: physicians, dentists, attorneys, optometrists, veterinarians, and doctors of pharmacy
  • Available in 47 states
  • No mortgage insurance required
  • 15 and 30 year Fixed Rates available
  • Minimum credit score of 700 required
  • Maximum debt ratios and 3 months reserves apply
  • Close up to 60 days prior to start date with signed contract
  • Student loan payments deferred 12+ months are excluded
  • No limit on years out of training

I began doing mortgages in 1999 and I have done 100’s of mortgage loans for doctor families over the years. Being married to a doctor myself for the past 15 years I have a first hand perspective on the contracts, student loans, and the unique needs and circumstances your family faces.

Get Your Dentist Loan Rates Now by Completing the Form Below.

Whether our clients are a first time home buyer or buying a new home in Arlington Texas, our vetted loan officers have a strong understanding of the local real estate industry and what it really takes to close your dentist home loan with efficiency and expertise.

Our loan officers in Arlington Texas provide exclusive financing for dentists, like you.

First, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are extremely profitable customers for lenders. They take out big loans early in their careers and almost always pay them off. Lenders use dentist home loans to secure early career dentists by lending them more money with a lot fewer stipulations than their competitions.

Dentist Home Mortgage Experts In Arlington Texas

If you are searching for a dentist mortgage in Arlington Texas then you came to the right place.

You’ve worked very hard to become a dentist and purchasing home should not be nearly as difficult.

Did you know there is a special loan that makes it easy for dentists to buy a home?

A home loan only for dentists?

Yup, dentists get their own loan!

A dentist home loan is a special loan program developed just for dentists in the home buying process.

We understand the economic demands of your student loan debt, and how important it is to maintain working capital for when the time is right with embarking upon your dental career. Whether or not you are a couple years into practice, or a well established dentist, you can rely on us to find a home loan that is exclusively tailored for your needs.

A lot of dental professionals in Arlington Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or little to no work history.

Despite these factors smart lenders know that dentists are a good bet because they traditionally have an incredibly low default rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banks that do just simply speaking to the right mortgage loan officer makes a remarkable difference.

Benefits of Dentist Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Often does not require private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

Purchasing a house doesn’t have to drain your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

What if you have some funds to put down or are considering waiting until you have the funds?

Our mortgage lenders can do the math for you and show you what each situation looks like and the advantages of each too.

In most instances, you’ll get your home mortgage paid off earlier and save thousands on interest too.

Additionally, don’t forget that having equity in your house will offer more security and flexibility, specifically if something unexpected happens. With the 100% financed dentist mortgage loan, you should expect to start out under water. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the house.

Whether you are relocating down the street, across town or across the country, we are available to work with you through the dentist home mortgage process:: because you deserve it!

Dentists, get the home of your dreams with our Arlington Texas dentist home loan program!