Dentist Mortgage In Dallas 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 or not our clients are a first time home buyer or buying a new home in Dallas Texas, our vetted loan officers have a strong understanding of the local area real estate market and what it takes to secure your dentist home loan with efficiency and know-how.

Our loan officers in Dallas Texas provide exclusive financing for dentists, exactly like you.

To start with, let’s discuss why dentist mortgage loans even exist. The main 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 competitors.

Dentist Home Mortgage Experts In Dallas Texas

If you are searching for a dentist mortgage loan in Dallas Texas then you came to the right place.

You’ve worked very hard to become a dentist and buying home shouldn’t 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 mortgage is a specialty loan program designed just for dentists in the home buying process.

We understand the budgetary demands of your student loan liability, and how crucial it is to maintain working capital for when the time is right with launching your dental career. Whether 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.

A lot of dentists in Dallas Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or little to no work history.

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

Not all banks offer this specialized product and within banking institutions that do just simply consulting with the best mortgage loan officer makes a remarkable difference.

Advantages of Dentist Home Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Generally does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve an agreement as evidence of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

Buying a home doesn’t need to empty your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

What if you have some money to put down or are looking at delaying until you have the cash?

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 of dollars on interest rates too.

Furthermore, don’t forget that having equity in your home will most likely offer greater security and flexibility, especially if something unplanned 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 sizable check for as much as 10% of the purchase price just to get out of the house.

Whether you’re moving down the street, across town or across the country, we are available to help you through the dentist home loan process:: because you deserve it!

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