Dentist Home Loan Program Brownsville 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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Whether or not you are a first time home buyer or purchasing a new home in Brownsville Texas, our vetted loan officers have a strong understanding of the local real estate industry and what it really takes to secure your dentist mortgage with efficiency and expertise.

Our loan officers in Brownsville Texas provide exclusive financing for dentists, like you.

To start with, let’s talk about 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 lock in early career dentists by lending them more money with fewer stipulations than their competitions.

Dentist Mortgage Experts In Brownsville Texas

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

You’ve trained very hard to become a dentist and purchasing home should not 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 just for dentists?

Yup, dentists get their own home loan!

A dentist mortgage is a specialized loan program developed just for dentists in the home buying process.

We are aware of the economic demands of your student loan financial debt, and how essential it is to maintain working capital for when the time is right with embarking upon your dental career. Whether you are a couple years into practice, or a well established dentist, you can depend on us to find a home loan that is specially tailored for your needs.

Quite a few dentists in Brownsville Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or very little to no work history.

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

Not all banks 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

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve a contract as evidence of future earnings, instead 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 need to drain your time.

Should You Put Cash Down?

What if you have some cash to put down or are thinking about delaying until you have the funds?

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

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

Additionally, don’t overlook that having equity in your home will likely provide greater security and overall flexibility, particularly if something unforeseen happens. With the 100% financed dentist mortgage loan, you ought to expect to start out under water. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially sizable check for up to 10% of the purchase price just to get out of the house.

Regardless of whether you’re moving down the street, across town or across the country, we are available to lend a hand you through the dentist home loan process:: because you deserve it!

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