Dentist Home Loan Program In Broomfield 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 or not our clients are a first time home buyer or buying a new home in Broomfield Colorado, our vetted loan officers have a strong understanding of the local area real estate market and what it really requires to close your dentist mortgage with efficiency and expertise.

Our loan officers in Broomfield Colorado offer 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 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 fewer terms than their competitions.

Dentist Home Mortgage Experts In Broomfield Colorado

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

You’ve trained very hard to become a dentist and buying home shouldn’t 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 mortgage is a specialized loan program put together just for dentists in the home purchasing process.

We recognize the budgetary demands of your student loan liability, and how vital 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 depend on us to find a home loan that is specifically tailored for your needs.

A lot of dentists in Broomfield Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or little to no work history.

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

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

Advantages of Dentist Home Mortgage Loans

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

Purchasing a home 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 money to put down or are thinking about 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 benefits of each too.

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

Additionally, don’t overlook that having equity in your home will likely provide more security and overall flexibility, especially if something unplanned happens. With the 100% financed dentist mortgage loan, you should expect to begin under water. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially big check for as much as 10% of the purchase price just to get out of the house.

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

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