Home Mortgage For Dentists In Fort Collins 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 if you are a first time home buyer or purchasing a new home in Fort Collins Colorado, our vetted loan officers have a solid understanding of the local area real estate industry and what it really takes to secure your dentist mortgage with efficiency and expertise.

Our loan officers in Fort Collins Colorado offer special financing for dentists, just like you.

First, let’s talk about why dentist mortgage loans even exist. The reason is that dentists are really 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 secure early career dentists by lending them more money with fewer stipulations than their competitors.

Dentist Home Mortgage Experts In Fort Collins Colorado

If you are trying to find a dentist mortgage loan in Fort Collins Colorado then you came to the perfect place.

You’ve trained 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 just for dentists?

Yup, dentists get their own mortgage!

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

We understand the financial demands of your student loan debt, and how vital it is to preserve working capital for when the time is right with embarking upon your dental career. Whether or not you are a couple years into practice, or a well established dentist, you can count on us to find a home loan that is exclusively tailored for your needs.

Many dental experts in Fort Collins Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or very little to no work history.

Despite these factors smart financial institutions know that dentists are a good choice due to the fact that they historically have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do simply talking to the best home loan officer makes a tremendous difference.

Advantages of Dentist Home Mortgage Loans

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

Purchasing a house doesn’t need to empty your savings and the process doesn’t have to drain your time.

Should You Put Money Down?

Suppose you have some funds to put down or are considering delaying until you have the funds?

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

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

Furthermore, don’t overlook that having equity in your house will most likely provide greater security and overall flexibility, specifically if something unexpected happens. With the 100% financed dentist home mortgage loan, you should expect to begin 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.

Whether you’re relocating down the road, across town or across the country, we are here to work with you all throughout the dentist home loan process:: because you deserve it!

Dentists, get the house of your dreams with our Fort Collins Colorado dentist home mortgage program!