Dentist Home Loan Program In Killeen 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 Killeen Texas, our vetted loan officers have a solid understanding of the local area real estate market and what it really takes to close your dentist home mortgage with competency and expertise.

Our loan officers in Killeen Texas provide specialized 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 financial institutions. 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 a fewer number of terms than their competitors.

Dentist Mortgage Experts In Killeen Texas

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

You’ve worked very hard to become a dentist and buying home shouldn’t 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 mortgage!

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

We understand the budgetary demands of your student loan liability, and how vital it is to maintain 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 rely on us to find a home loan that is specifically tailored for your needs.

A lot of dental experts in Killeen Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or very little to no work history.

Despite these factors smart loan providers know that dentists are a good choice due to the fact that they traditionally have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banking institutions that do just simply talking to the right mortgage officer makes a tremendous difference.

Advantages 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).
  • Generally does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept a contract as proof of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

Purchasing a house doesn’t need to drain your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

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

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 mortgage paid off earlier and save thousands on interest too.

Additionally, don’t overlook that having equity in your house will offer greater security and overall flexibility, specifically if something unexpected happens. With the 100% financed dentist home mortgage loan, you ought to anticipate to start out under water. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially sizable check for up to 10% of the purchase price simply to get out of the house.

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

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