Home Mortgage For Dentists Huntington Beach California

Regardless if you are a first time home buyer or buying a new home in Huntington Beach California, our vetted loan officers have a solid understanding of the local real estate industry and what it really takes to secure your dentist mortgage with competency and know-how.

Our loan officers in Huntington Beach California offer special financing for dentists, like you.

To start with, let’s talk about why dentist mortgage loans even exist. The reason is that dentists are really 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 lock in early career dentists by lending them more money with far fewer stipulations than their competitors.

Dentist Home Loan Experts In Huntington Beach California

If you are trying to find a dentist home loan in Huntington Beach California then you came to the perfect place.

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

Yup, dentists get their own loan!

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

We understand the financial demands of your student loan financial debt, and how important it is to maintain working capital for when the time is right with starting your dental career. No matter if you are a couple years into practice, or a well established dentist, you can count on us to find a home loan that is specially tailored for your needs.

Many dentists in Huntington Beach California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or very little to no work history.

Despite these factors smart lenders know that dentists are a good choice considering that they historically have an incredibly low default rate on loans, high earning potential and stable jobs.

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

Benefits of Dentist Home Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Generally does not necessitate private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve an agreement as proof of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Cash Down?

Suppose you have some cash to put down or are considering waiting until you have the funds?

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

In most instances, you’ll get your home loan paid off sooner and save thousands of dollars on interest rates too.

Furthermore, don’t overlook that having equity in your home will offer more security and flexibility, specifically if something unanticipated happens. With the 100% financed dentist home mortgage loan, you ought to anticipate to begin underwater. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for up to 10% of the purchase price simply to get out of the home.

No matter if you are relocating down the road, across town or across the country, we are here to lend a hand you throughout the dentist home mortgage process:: because you deserve it!

Dentists, get the house of your dreams with our Huntington Beach California dentist home loan program!