Home Mortgage For Dentists Centennial Colorado

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 buying a new home in Centennial Colorado, our vetted loan officers have a solid understanding of the local real estate industry and what it takes to secure your dentist mortgage with competency and expertise.

Our loan officers in Centennial Colorado provide exclusive financing for dentists, like you.

First, let’s talk about why dentist mortgage loans even exist. The reason is that dentists are very 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 loaning them more money with far fewer terms than their competitions.

Dentist Mortgage Experts In Centennial Colorado

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

You’ve trained 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 mortgage!

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

We understand the economic demands of your student loan financial debt, and how important it is to preserve working capital for when the time is right with launching your dental career. Whether or not you are a couple years into practice, or a well established dentist, you can rely on us to find a mortgage loan that is specially tailored for your needs.

Many dental experts in Centennial 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 lending institutions know that dentists are a good choice considering that they typically have an incredibly low default rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banks that do simply speaking with the best mortgage officer makes an enormous difference.

Benefits of Dentist Home Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small 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 accept an agreement 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 need to drain your time.

Should You Put Cash Down?

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

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

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

Additionally, don’t forget that having equity in your home will definitely provide more security and flexibility, particularly if something unforeseen happens. With the 100% financed dentist mortgage loan, you should expect to start out underwater. 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 as much as 10% of the purchase price simply to get out of the home.

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

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