Dentist Home Loan Program Corpus Christi Texas

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 you are a first time home buyer or purchasing a new home in Corpus Christi Texas, our vetted loan officers have a strong understanding of the local area real estate industry and what it really requires to secure your dentist mortgage with competency and expertise.

Our loan officers in Corpus Christi Texas provide special financing for dentists, 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 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 a fewer number of stipulations than their competitions.

Dentist Home Loan Experts In Corpus Christi Texas

If you are looking for a dentist mortgage loan in Corpus Christi Texas 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 just for dentists?

Yup, dentists get their own loan!

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

We understand the financial demands of your student loan debt, and how essential it is to preserve working capital for when the time is right with starting your dental career. Regardless if you are a couple years into practice, or a well established dentist, you can depend on us to find a home loan that is specially tailored for your needs.

Quite a few dental experts in Corpus Christi Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or minimal to no work history.

Despite these reasons smart lending institutions know that dentists are a good bet considering that they historically have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

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

Advantages of Dentist Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), even when 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 house doesn’t have to empty your savings and the process doesn’t need to drain your time.

Should You Put Cash Down?

Suppose you have some cash 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 circumstances, 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 house will definitely provide more security and flexibility, especially if something unforeseen happens. With the 100% financed dentist home mortgage loan, you ought to 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 up to 10% of the purchase price simply to get out of the home.

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

Dentists, get the house of your dreams with our Corpus Christi Texas dentist home mortgage program!