Dentist Home Loan Flagstaff Arizona

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 Flagstaff Arizona, our vetted loan officers have a strong understanding of the local real estate industry and what it requires to close your dentist home loan with efficiency and expertise.

Our loan officers in Flagstaff Arizona provide special financing for dentists, just like you.

To start with, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are extremely 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 lending them more money with fewer stipulations than their competitors.

Dentist Mortgage Experts In Flagstaff Arizona

If you are trying to find a dentist mortgage in Flagstaff Arizona then you came to the perfect place.

You’ve worked very hard to become a dentist and purchasing 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 only for dentists?

Yup, dentists get their own home loan!

A dentist home loan is a special loan program developed just for dentists in the home buying process.

We understand the financial demands of your student loan financial obligation, and how crucial it is to maintain working capital for when the time is right with starting your dental career. Whether you are a couple years into practice, or a well established dentist, you can rely on us to find a home loan that is specifically tailored for your needs.

Many dental experts in Flagstaff Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or very little to no work history.

Despite these factors smart loan providers 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 mortgage lenders offer this specialized product and within banking institutions that do just simply speaking with the best home loan officer makes a remarkable difference.

Advantages of Dentist Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Often does not require private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

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

Our mortgage lenders can do the math for you and show you what each situation looks like and the advantages of each too.

In most cases, you’ll get your home mortgage paid off earlier and save thousands of dollars on interest too.

Furthermore, don’t overlook that having equity in your home will most likely provide more security and flexibility, particularly if something unexpected 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 need to be prepared to write a potentially large check for up to 10% of the purchase price just to get out of the house.

Regardless of whether you’re moving down the street, across town or across the country, we are right here to lend a hand you through the dentist home loan process:: because you deserve it!

Dentists, get the house of your dreams with our az geo dentist home mortgage program!