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

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 our clients are a first time home buyer or buying a new home in Commerce City Colorado, our vetted loan officers have a strong understanding of the local area real estate industry and what it really takes to secure your dentist home mortgage with efficiency and know-how.

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

First, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are very profitable customers 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 fewer stipulations than their competitors.

Dentist Home Loan Experts In Commerce City Colorado

If you are trying to find a dentist mortgage in Commerce City Colorado then you came to the right place.

You’ve trained very hard to become a dentist and purchasing 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 specifically for dentists?

Yup, dentists get their own loan!

A dentist home loan is a special loan program made just for dentists in the home purchasing process.

We are aware of the economic demands of your student loan financial debt, and how crucial 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 specially tailored for your needs.

A large number of dental professionals in Commerce City Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or very little to no work history.

Despite these factors smart lenders know that dentists are a good bet due to the fact that they typically 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 just simply speaking with the right mortgage officer makes a tremendous difference.

Benefits 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).
  • Typically does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as proof of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

Buying a home doesn’t have to empty 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 considering delaying until you have the funds?

Our 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 home mortgage paid off sooner and save thousands on interest rates too.

Furthermore, don’t overlook that having equity in your home will likely provide greater security and overall flexibility, especially if something unforeseen happens. With the 100% financed dentist home mortgage loan, you ought to anticipate to begin under water. 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 simply to get out of the house.

Regardless of whether you’re relocating down the road, across town or across the country, we are right here to help you throughout the dentist home loan process:: because you deserve it!

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