Home Mortgage For Dentists In Buckeye Arizona

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 or not our clients are a first time home buyer or purchasing a new home in Buckeye Arizona, our vetted loan officers have a strong understanding of the local area real estate industry and what it really takes to close your dentist home mortgage with efficiency and expertise.

Our loan officers in Buckeye Arizona offer specialized financing for dentists, like you.

To start with, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are extremely profitable clients for lending institutions. 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 Buckeye Arizona

If you are looking for a dentist home loan in Buckeye Arizona then you came to the perfect 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 loan!

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

We are aware of the personal financial demands of your student loan financial debt, and how essential it is to preserve 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 count on us to find a home loan that is specially tailored for your needs.

A lot of dental professionals in Buckeye Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or minimal to no work history.

Despite these reasons smart loan providers know that dentists are a good choice due to the fact that they historically have an incredibly low default rate on loans, high earning potential and stable jobs.

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

Advantages of Dentist Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept a contract as documentation of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

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

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

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

Furthermore, don’t overlook that having equity in your house will most likely provide more security and flexibility, particularly if something unanticipated happens. With the 100% financed dentist home mortgage loan, you should expect to start out underwater. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially large check for up to 10% of the purchase price just to get out of the house.

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

Dentists, get the home of your dreams with our az geo dentist home mortgage program!