Dentist Home Loan Program In Garland 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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Regardless if our clients are a first time home buyer or buying a new home in Garland Texas, our vetted loan officers have a solid understanding of the local real estate market and what it really takes to secure your dentist home mortgage with competency and know-how.

Our loan officers in Garland Texas offer special financing for dentists, exactly like you.

First off, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are really 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 lock in early career dentists by lending them more money with fewer terms than their competitions.

Dentist Home Loan Experts In Garland Texas

If you are trying to find a dentist mortgage loan in Garland Texas 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 only for dentists?

Yup, dentists get their own home loan!

A dentist home loan is a specialty loan program created just for dentists in the home buying process.

We understand the personal financial demands of your student loan financial debt, and how essential it is to preserve 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 count on us to find a mortgage loan that is exclusively tailored for your needs.

A lot of dental experts in Garland Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or little to no work history.

Despite these factors smart lending institutions know that dentists are a good bet considering that they generally 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 simply consulting with the right mortgage officer makes an enormous difference.

Benefits of Dentist Home Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Often does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, instead 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 have to drain your time.

Should You Put Money Down?

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

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

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

Furthermore, don’t forget that having equity in your house will likely provide more security and overall flexibility, specifically if something unforeseen happens. With the 100% financed dentist mortgage loan, you should anticipate 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 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 available to lend a hand you all throughout the dentist home mortgage process:: because you deserve it!

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