Dentist Home Loan California

Regardless if our clients are a first time home buyer or buying a new home in California, our vetted loan officers have a solid understanding of the local real estate industry and what it really requires to secure your dentist home loan with competency and know-how.

Our loan officers in California provide special financing for dentists, exactly like you.

First and foremost, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are really profitable clients for financial 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 terms than their competition.

Dentist Mortgage Professionals In California

If you are searching for a dentist mortgage loan in California then you came to the perfect place.

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

Yup, dentists get their own home loan!

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

We are aware of the financial demands of your student loan financial obligation, and how important it is to preserve working capital for when the time is right with launching 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 mortgage loan that is exclusively tailored for your needs.

Quite a few dental professionals in California 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 factors smart lending institutions know that dentists are a good choice due to the fact that they generally have an exceptionally low default rate on loans, high earning potential and stable jobs.

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

Advantages of Dentist Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income percentage.
  • Typically requires low to no down payment (0-5 percent).
  • Often does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Usually will accept an agreement as proof 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 looking at delaying until you have the money?

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 instances, you’ll get your mortgage paid off sooner and save thousands on interest rates too.

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

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

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

Top cities in California for a dentist home loan.

Anaheim
Bakersfield
Chula Vista
Fontana
Fremont
Fresno
Huntington Beach
Irvine
Long Beach
Los Angeles
Modesto
Moreno Valley
Oakland
Oxnard
Riverside
Sacramento
San Bernardino
San Diego
San Francisco
San Jose
Santa Ana
Stockton