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

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.

Regardless of whether our clients are a first time home buyer or buying a new home in Flagstaff Arizona, our vetted loan officers have a solid understanding of the local real estate industry and what it takes to secure your dentist home mortgage with efficiency and know-how.

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

First, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are extremely profitable customers for lending institutions. 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 lending them more money with far fewer stipulations than their competitors.

Dentist Home Mortgage Experts In Flagstaff Arizona

If you are searching for a dentist home loan in Flagstaff Arizona then you came to the perfect 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 only for dentists?

Yup, dentists get their own loan!

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

We recognize the financial demands of your student loan financial obligation, and how important it is to preserve working capital for when the time is right with launching your dental career. No matter if you are a couple years into practice, or a well established dentist, you can count on us to find a home loan that is specifically tailored for your needs.

Quite a few dental professionals 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 minimal to no work history.

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

Not all banks offer this specialized product and within banking institutions that do just simply talking with the right mortgage loan officer makes an enormous difference.

Advantages of Dentist Mortgage Loans

  • Usually does not include student loan monthly payments in debt-to-income percentage.
  • Requires 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 approve a contract as proof of future earnings, instead of pay stubs or W-2s, which 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 funds to put down or are looking at delaying until you have the funds?

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

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

Furthermore, don’t forget that having equity in your home will provide greater security and overall flexibility, particularly if something unexpected happens. With the 100% financed dentist mortgage loan, you ought to expect to begin underwater. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the house.

Whether you’re relocating down the street, across town or across the country, we are here to lend a hand you through the dentist home mortgage process:: because you deserve it!

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