Dentist Home Loan Program Commerce City 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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Regardless of whether you are a first time home buyer or buying a new home in Commerce City Colorado, our vetted loan officers have a solid understanding of the local real estate market and what it really requires to secure your dentist home mortgage with proficiency and expertise.

Our loan officers in Commerce City Colorado offer exclusive financing for dentists, exactly like you.

First off, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are extremely 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 secure early career dentists by loaning them more money with far fewer requirements than their competitors.

Dentist Home Mortgage Experts In Commerce City Colorado

If you are looking for a dentist mortgage loan in Commerce City Colorado then you came to the right place.

You’ve trained very hard to become a dentist and buying 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 only for dentists?

Yup, dentists get their own loan!

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

We understand the economic demands of your student loan liability, and how vital it is to preserve working capital for when the time is right with starting 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 home loan that is specifically tailored for your needs.

Many dentists in Commerce City Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or very little to no work history.

Despite these factors smart financial institutions know that dentists are a good bet considering that they traditionally have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do simply speaking to the best mortgage loan officer makes a significant difference.

Advantages of Dentist Home Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Often does not require private mortgage insurance (PMI), even when 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.

Buying a house doesn’t need to drain your savings and the process doesn’t have to drain your time.

Should You Put Money Down?

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

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

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

Furthermore, don’t forget that having equity in your home will offer greater security and overall flexibility, especially if something unexpected happens. With the 100% financed dentist mortgage loan, you ought to anticipate 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 big check for as much as 10% of the purchase price simply to get out of the home.

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

Dentists, get the house of your dreams with our Commerce City Colorado dentist home mortgage program!