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

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 Centennial Colorado, our vetted loan officers have a strong understanding of the local area real estate market and what it really takes to secure your dentist mortgage with proficiency and know-how.

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

To start with, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are very 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 loaning them more money with a lot fewer terms than their competitions.

Dentist Home Loan Experts In Centennial Colorado

If you are searching for a dentist home loan in Centennial Colorado then you came to the perfect place.

You’ve trained very hard to become a dentist and purchasing 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 loan!

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

We recognize the budgetary demands of your student loan debt, and how crucial it is to maintain 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 specifically tailored for your needs.

Many dentists in Centennial Colorado 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 factors smart lenders know that dentists are a good bet because they generally have an extremely low nonpayment rate on loans, high earning potential and secure jobs.

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

Benefits of Dentist Home Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), even if 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.

Buying a house doesn’t need 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 considering delaying until you have the funds?

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

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

Furthermore, don’t overlook that having equity in your home will most likely provide more security and flexibility, specifically if something unforeseen happens. With the 100% financed dentist home mortgage loan, you should anticipate to begin under water. If something does not work out and you are 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 home.

No matter if you’re relocating down the road, across town or across the country, we are available to lend a hand you through the dentist home mortgage process:: because you deserve it!

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