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

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 or not 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 area real estate industry and what it takes to secure your dentist mortgage with competency and expertise.

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

To start with, let’s talk about why dentist mortgage loans even exist. The main reason is that dentists are very profitable clients for lending 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 requirements than their competitors.

Dentist Mortgage 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 purchasing 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 home loan!

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

We understand the economic demands of your student loan financial debt, and how vital it is to preserve working capital for when the time is right with embarking upon your dental career. Regardless if you are a couple years into practice, or a well established dentist, you can count on us to find a mortgage loan that is specifically 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 financial debt or minimal to no work history.

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

Not all banks offer this specialized product and within banking institutions that do just simply speaking to the right mortgage officer makes a remarkable difference.

Advantages of Dentist Mortgage Loans

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

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

Should You Put Money Down?

Suppose you have some cash to put down or are considering waiting 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 mortgage loan paid off earlier and save thousands on interest too.

Furthermore, don’t forget that having equity in your house will provide greater security and flexibility, specifically if something unplanned happens. With the 100% financed dentist home mortgage loan, you ought to expect to start out underwater. If something does not 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 house.

Whether you are moving down the road, across town or across the country, we are here to help you through the dentist home mortgage process:: because you deserve it!

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