Dentist Mortgage In Grand Junction 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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Whether our clients are a first time home buyer or buying a new home in Grand Junction Colorado, our vetted loan officers have a solid understanding of the local real estate industry and what it really takes to secure your dentist home mortgage with competency and expertise.

Our loan officers in Grand Junction Colorado offer special financing for dentists, like you.

First and foremost, 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 lock in early career dentists by loaning them more money with far fewer stipulations than their competitions.

Dentist Home Mortgage Experts In Grand Junction Colorado

If you are searching for a dentist mortgage loan in Grand Junction Colorado then you came to the right place.

You’ve worked very hard to become a dentist and buying 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 home loan!

A dentist 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 important it is to maintain working capital for when the time is right with starting 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 exclusively tailored for your needs.

Quite a few dentists in Grand Junction Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or minimal to no work history.

Despite these reasons smart lending institutions know that dentists are a good bet considering that they generally have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

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

Advantages of Dentist Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve an agreement as evidence 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 Cash Down?

What if you have some cash to put down or are thinking about waiting until you have the cash?

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

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

Furthermore, don’t forget that having equity in your house will definitely offer greater security and overall flexibility, especially if something unexpected happens. With the 100% financed dentist mortgage loan, you should anticipate to start out underwater. If something does not work out and you’re 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.

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

Dentists, get the home of your dreams with our Grand Junction Colorado dentist home mortgage program!