Dentist Home Loan Program In Austin Texas

Preferred Dentist Loan Officer

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

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.

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Regardless if our clients are a first time home buyer or buying a new home in Austin Texas, our vetted loan officers have a solid understanding of the local area real estate industry and what it really requires to close your dentist mortgage with competency and know-how.

Our loan officers in Austin Texas offer special financing for dentists, exactly like you.

First off, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are very 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 loaning them more money with a fewer number of terms than their competitors.

Dentist Home Mortgage Experts In Austin Texas

If you are trying to find a dentist home loan in Austin Texas then you came to the perfect 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 only for dentists?

Yup, dentists get their own home loan!

A dentist home loan is a specialized loan program put together just for dentists in the home purchasing process.

We are aware of the budgetary demands of your student loan liability, and how vital it is to preserve working capital for when the time is right with launching 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.

Many dental experts in Austin Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or little to no work history.

Despite these factors smart financial institutions know that dentists are a good choice considering that they typically have an extremely low nonpayment rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do simply consulting with the best home loan officer makes a tremendous difference.

Advantages of Dentist Home Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve a contract as evidence of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

Suppose you have some funds to put down or are considering delaying until you have the funds?

Our loan providers can do the math for you and show you what each scenario looks like and the benefits of each too.

In most circumstances, you’ll get your mortgage loan paid off sooner and save thousands of dollars on interest too.

Additionally, don’t overlook that having equity in your house will most likely offer more security and flexibility, specifically if something unanticipated happens. With the 100% financed dentist mortgage loan, you ought to expect to start out underwater. If something does not 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 just to get out of the home.

Whether you are relocating down the road, across town or across the country, we are here to help you through the dentist home loan process:: because you deserve it!

Dentists, get the house of your dreams with our Austin Texas dentist home mortgage program!