Dentist Home Loan Frisco Texas

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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Whether or not you are a first time home buyer or buying a new home in Frisco Texas, our vetted loan officers have a strong understanding of the local area real estate market and what it really takes to secure your dentist home loan with competency and expertise.

Our loan officers in Frisco Texas provide special financing for dentists, exactly like you.

First off, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are very 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 loaning them more money with fewer terms than their competitions.

Dentist Home Mortgage Experts In Frisco Texas

If you are trying to find a dentist mortgage in Frisco Texas then you came to the right place.

You’ve worked very hard to become a dentist and purchasing home really 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 specifically for dentists?

Yup, dentists get their own mortgage!

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

We are aware of the economic demands of your student loan liability, and how essential it is to maintain working capital for when the time is right with launching 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 home loan that is specially tailored for your needs.

Many dental professionals in Frisco Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or very little to no work history.

Despite these factors smart lenders know that dentists are a good choice considering that they generally have an exceptionally 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 to the right mortgage officer makes an enormous difference.

Benefits of Dentist Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Typically does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as proof of future earnings, instead 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?

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

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

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

Additionally, don’t overlook that having equity in your home will definitely offer greater security and flexibility, specifically if something unanticipated happens. With the 100% financed dentist mortgage loan, you should expect to start out underwater. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially big check for as much as 10% of the purchase price just to get out of the house.

Regardless of whether you’re moving down the road, across town or across the country, we are right here to work with you throughout the dentist home loan process:: because you deserve it!

Dentists, get the home of your dreams with our Frisco Texas dentist home loan program!