Home Mortgage For Dentists Gilbert 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.

Whether or not you are a first time home buyer or buying a new home in Gilbert Arizona, our vetted loan officers have a solid understanding of the local real estate industry and what it really takes to close your dentist home mortgage with efficiency and know-how.

Our loan officers in Gilbert Arizona 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 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 loaning them more money with a lot fewer stipulations than their competitors.

Dentist Mortgage Experts In Gilbert Arizona

If you are trying to find a dentist home loan in Gilbert Arizona then you came to the perfect place.

You’ve trained 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 home mortgage is a specialized loan program designed just for dentists in the home buying process.

We are aware of the economic demands of your student loan financial obligation, and how vital it is to maintain working capital for when the time is right with launching your dental career. Regardless if you are a couple years into practice, or a well established dentist, you can depend on us to find a home loan that is exclusively tailored for your needs.

Many dental experts in Gilbert Arizona 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 bet because they traditionally have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banks that do just simply talking to the best home loan officer makes a remarkable difference.

Advantages of Dentist Home Mortgage Loans

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

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

Should You Put Money Down?

Suppose you have some funds to put down or are thinking about waiting until you have the funds?

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 definitely offer more security and overall flexibility, especially if something unforeseen happens. With the 100% financed dentist home mortgage loan, you ought to 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 up to 10% of the purchase price just to get out of the home.

No matter if you are relocating down the street, across town or across the country, we are right here to assist you throughout the dentist home mortgage process:: because you deserve it!

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