Dentist Home Loan Program In Greeley Colorado

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.

Regardless of whether you are a first time home buyer or buying a new home in Greeley Colorado, our vetted loan officers have a solid understanding of the local area real estate market and what it really requires to secure your dentist home loan with competency and know-how.

Our loan officers in Greeley Colorado provide special financing for dentists, like you.

First off, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are really profitable clients 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 competitors.

Dentist Mortgage Experts In Greeley Colorado

If you are searching for a dentist home loan in Greeley Colorado then you came to the perfect place.

You’ve trained very hard to become a dentist and buying home should not be nearly as challenging.

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 home loan!

A dentist home loan is a customized loan program made just for dentists in the home buying process.

We understand the economic demands of your student loan debt, and how important it is to preserve working capital for when the time is right with launching your dental career. Whether 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.

A large number of dental professionals in Greeley Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or very little to no work history.

Despite these factors smart lending institutions know that dentists are a good choice considering that they typically have an extremely low nonpayment rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do simply talking to 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 low to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as documentation of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

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

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

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

Furthermore, don’t forget that having equity in your home will most likely offer more security and overall flexibility, particularly if something unplanned happens. With the 100% financed dentist home mortgage loan, you ought to expect to begin underwater. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially big check for as much as 10% of the purchase price just to get out of the home.

No matter if you are moving down the road, across town or across the country, we are right here to help you throughout the dentist home loan process:: because you deserve it!

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