Home Mortgage For Dentists In La Crosse Wisconsin

Regardless of whether you are a first time home buyer or buying a new home in La Crosse Wisconsin, our vetted loan officers have a solid understanding of the local area real estate market and what it requires to close your dentist mortgage with proficiency and expertise.

Our loan officers in La Crosse Wisconsin provide special financing for dentists, like you.

First off, let’s talk about why dentist mortgage loans even exist. The reason is that dentists are really profitable customers 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 lending them more money with fewer terms than their competitors.

Dentist Mortgage Experts In La Crosse Wisconsin

If you are looking for a dentist home loan in La Crosse Wisconsin then you came to the perfect place.

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

Yup, dentists get their own mortgage!

A dentist home loan is a specialty loan program developed just for dentists in the home buying process.

We understand the financial demands of your student loan financial obligation, and how important it is to maintain working capital for when the time is right with starting your dental career. Whether or not you are a couple years into practice, or a well established dentist, you can rely on us to find a home loan that is specially tailored for your needs.

A large number of dentists in La Crosse Wisconsin 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 factors smart financial institutions know that dentists are a good bet due to the fact that they generally have an exceptionally low nonpayment rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banks that do just simply speaking with the best mortgage officer makes an enormous difference.

Advantages of Dentist Home Mortgage Loans

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

Buying a house doesn’t have to empty your savings and the process doesn’t have to drain your time.

Should You Put Money Down?

Suppose you have some money to put down or are looking at delaying until you have the funds?

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

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

Furthermore, don’t forget that having equity in your home will most likely offer greater security and flexibility, especially if something unexpected happens. With the 100% financed dentist mortgage loan, you ought to anticipate to begin underwater. If something does not work out and you are forced to sell quickly, you should be prepared to write a potentially large check for as much as 10% of the purchase price simply to get out of the house.

Regardless of whether you’re relocating down the street, across town or across the country, we are available to work with you throughout the dentist home mortgage process:: because you deserve it!

Dentists, get the house of your dreams with our La Crosse Wisconsin dentist home loan program!