Dentist Mortgage In Boulder 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.

Whether you are a first time home buyer or purchasing a new home in Boulder Colorado, our vetted loan officers have a strong understanding of the local area real estate market and what it really requires to secure your dentist home mortgage with competency and know-how.

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

First, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are very profitable customers for lending institutions. 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 a lot fewer stipulations than their competitors.

Dentist Home Loan Experts In Boulder Colorado

If you are trying to find a dentist mortgage loan in Boulder Colorado then you came to the right place.

You’ve worked very hard to become a dentist and buying home 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 specifically for dentists?

Yup, dentists get their own mortgage!

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

We recognize the budgetary demands of your student loan financial obligation, and how vital it is to preserve working capital for when the time is right with starting your dental career. Whether or not you are a couple years into practice, or a well established dentist, you can count on us to find a mortgage loan that is exclusively tailored for your needs.

A lot of dentists in Boulder Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or very little to no work history.

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

Not all lenders offer this specialized product and within banks that do simply speaking with the best mortgage loan officer makes a remarkable difference.

Advantages of Dentist Mortgage Loans

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

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

Should You Put Cash Down?

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

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

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

Additionally, don’t forget that having equity in your house will most likely offer greater security and flexibility, especially if something unplanned happens. With the 100% financed dentist home mortgage loan, you ought to anticipate to start out underwater. If something doesn’t work out and you are forced to sell quickly, you should be prepared to write a potentially big check for up to 10% of the purchase price just to get out of the home.

No matter if you are moving down the road, across town or across the country, we are here to assist you all throughout the dentist home mortgage process:: because you deserve it!

Dentists, get the home of your dreams with our Boulder Colorado dentist home loan program!