Dentist Home Loan In Houston 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 you are a first time home buyer or buying a new home in Houston Texas, our vetted loan officers have a strong understanding of the local area real estate industry and what it requires to close your dentist mortgage with efficiency and expertise.

Our loan officers in Houston Texas offer exclusive financing for dentists, exactly like you.

To start with, let’s talk about 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 secure early career dentists by loaning them more money with fewer terms than their competitors.

Dentist Home Loan Experts In Houston Texas

If you are looking for a dentist mortgage loan in Houston Texas then you came to the perfect place.

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

Yup, dentists get their own loan!

A dentist home loan is a special loan program put together just for dentists in the home purchasing process.

We recognize the personal financial demands of your student loan liability, and how important it is to maintain working capital for when the time is right with embarking upon your dental career. Whether or not you are a couple years into practice, or a well established dentist, you can count on us to find a mortgage loan that is specifically tailored for your needs.

Quite a few dental experts in Houston Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or minimal to no work history.

Despite these reasons smart financial institutions know that dentists are a good bet considering that they typically have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do just simply consulting with the best mortgage loan officer makes an enormous difference.

Advantages of Dentist Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept a contract as documentation of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

Buying a home doesn’t need to empty 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 delaying until you have the money?

Our loan providers 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 mortgage paid off earlier and save thousands of dollars on interest too.

Additionally, don’t overlook that having equity in your home will provide more security and overall flexibility, particularly if something unanticipated happens. With the 100% financed dentist mortgage loan, you should expect to start out underwater. If something does not 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 simply to get out of the house.

Whether you’re moving down the road, across town or across the country, we are available to lend a hand you throughout the dentist home mortgage process:: because you deserve it!

Dentists, get the home of your dreams with our Houston Texas dentist home mortgage program!