Home Mortgage For Dentists In Aurora Colorado

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.

Regardless if you are a first time home buyer or buying a new home in Aurora Colorado, our vetted loan officers have a strong understanding of the local area real estate market and what it really takes to close your dentist home mortgage with efficiency and know-how.

Our loan officers in Aurora Colorado offer exclusive financing for dentists, just like you.

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

Dentist Home Loan Experts In Aurora Colorado

If you are searching for a dentist mortgage loan in Aurora Colorado then you came to the right place.

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

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

A home loan just for dentists?

Yup, dentists get their own loan!

A dentist home mortgage is a special loan program created just for dentists in the home purchasing process.

We recognize the economic demands of your student loan debt, and how essential it is to maintain working capital for when the time is right with starting your dental career. Regardless if you are a couple years into practice, or a well established dentist, you can count on us to find a home loan that is specifically tailored for your needs.

Quite a few dental experts in Aurora Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or little to no work history.

Despite these reasons smart lending institutions know that dentists are a good choice because they traditionally have an exceptionally low default rate on loans, high earning potential and stable jobs.

Not all mortgage lenders offer this specialized product and within banks that do just simply talking to the right mortgage loan officer makes an enormous difference.

Benefits of Dentist Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Generally does not call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve an agreement as evidence of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

Purchasing a home doesn’t have to empty your savings and the process doesn’t have to drain your time.

Should You Put Money Down?

Suppose 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 cases, you’ll get your home loan paid off sooner and save thousands of dollars on interest too.

Furthermore, don’t overlook that having equity in your house will likely provide greater security and overall flexibility, especially if something unexpected happens. With the 100% financed dentist home mortgage loan, you should anticipate to start out under water. If something doesn’t work out and you are forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the house.

Regardless of whether you are relocating down the street, across town or across the country, we are here to lend a hand you all throughout the dentist home mortgage process:: because you deserve it!

Dentists, get the home of your dreams with our Aurora Colorado dentist home mortgage program!