Dentist Home Loan In Denver 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 Denver Colorado, our vetted loan officers have a strong understanding of the local real estate industry and what it really requires to close your dentist home mortgage with efficiency and know-how.

Our loan officers in Denver Colorado offer exclusive financing for dentists, just like you.

To start with, let’s talk about why dentist mortgage loans even exist. The main reason is that dentists are extremely profitable clients for lenders. 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 lending them more money with fewer stipulations than their competitors.

Dentist Home Loan Experts In Denver Colorado

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

You’ve worked very hard to become a dentist and buying home really should not 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 just for dentists?

Yup, dentists get their own mortgage!

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

We recognize the financial demands of your student loan financial obligation, and how essential 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 depend on us to find a mortgage loan that is exclusively tailored for your needs.

A lot of dental professionals in Denver Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or little to no work history.

Despite these reasons smart financial institutions know that dentists are a good choice because they generally have an incredibly low default rate on loans, high earning potential and secure jobs.

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

Advantages of Dentist Mortgage Loans

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

Purchasing a home 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 thinking about delaying until you have the money?

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

In most situations, you’ll get your mortgage loan paid off earlier and save thousands on interest rates too.

Additionally, don’t overlook that having equity in your home will likely provide more security and overall flexibility, particularly if something unanticipated happens. With the 100% financed dentist mortgage loan, you should anticipate to begin underwater. If something doesn’t work out and you are forced to sell quickly, you should 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’re moving down the road, across town or across the country, we are available to assist you all throughout the dentist home loan process:: because you deserve it!

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