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

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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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 real estate market and what it really takes to secure your dentist home mortgage with competency and expertise.

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

First off, let’s talk about 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 lock in early career dentists by lending them more money with a lot fewer terms than their competitions.

Dentist Home Loan Experts In Boulder Colorado

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

You’ve trained very hard to become a dentist and purchasing home shouldn’t 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 mortgage!

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

We understand the economic demands of your student loan liability, and how crucial it is to maintain working capital for when the time is right with embarking upon your dental career. No matter 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 exclusively tailored for your needs.

Quite a few dental professionals in Boulder Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or minimal to no work history.

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

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

Benefits of Dentist Home Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve a contract as proof of future earnings, in lieu 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 have to drain your time.

Should You Put Cash Down?

Suppose you have some funds to put down or are looking at waiting until you have the funds?

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

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

Additionally, don’t forget that having equity in your house will likely provide more security and overall flexibility, especially if something unanticipated happens. With the 100% financed dentist mortgage loan, you ought to expect to start out under water. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for up to 10% of the purchase price simply to get out of the home.

Regardless of whether you are relocating down the street, 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 house of your dreams with our Boulder Colorado dentist home mortgage program!