Dentist Home Loan Irving 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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Regardless if our clients are a first time home buyer or purchasing a new home in Irving Texas, our vetted loan officers have a solid understanding of the local area real estate industry and what it takes to secure your dentist home loan with efficiency and know-how.

Our loan officers in Irving Texas 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 extremely 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 lock in early career dentists by loaning them more money with a fewer number of terms than their competitions.

Dentist Home Mortgage Experts In Irving Texas

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

You’ve worked very hard to become a dentist and purchasing 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 mortgage is a specialty loan program designed just for dentists in the home purchasing process.

We recognize the budgetary demands of your student loan liability, and how essential it is to preserve 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.

Many dentists in Irving Texas 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 because they historically have an exceptionally low nonpayment rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banks that do simply speaking to the best mortgage officer makes a significant difference.

Benefits of Dentist Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Often does not necessitate private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept an agreement as proof 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 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 benefits of each too.

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

Additionally, don’t overlook that having equity in your house will offer more security and flexibility, specifically if something unexpected happens. With the 100% financed dentist mortgage loan, you ought to expect to start out under water. If something doesn’t work out and you are 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 house.

Whether you are relocating down the road, across town or across the country, we are right here to assist you throughout the dentist home loan process:: because you deserve it!

Dentists, get the house of your dreams with our Irving Texas dentist home loan program!