Dentist Home Loan In Lake Havasu City Arizona

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 buying a new home in Lake Havasu City Arizona, our vetted loan officers have a strong understanding of the local real estate industry and what it requires to secure your dentist home mortgage with competency and know-how.

Our loan officers in Lake Havasu City Arizona provide exclusive financing for dentists, like you.

First, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are extremely profitable clients for lending 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 lending them more money with far fewer stipulations than their competitors.

Dentist Home Loan Experts In Lake Havasu City Arizona

If you are searching for a dentist mortgage loan in Lake Havasu City Arizona then you came to the perfect place.

You’ve worked very hard to become a dentist and buying 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 home loan!

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

We understand the economic demands of your student loan debt, and how vital it is to maintain working capital for when the time is right with embarking upon 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 specifically tailored for your needs.

A lot of dental experts in Lake Havasu City Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or little to no work history.

Despite these reasons smart lenders know that dentists are a good bet because they traditionally have an exceptionally low nonpayment rate on loans, high earning potential and secure jobs.

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

Benefits of Dentist Home Mortgage Loans

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

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

Should You Put Money Down?

What if you have some money to put down or are thinking about waiting until you have the funds?

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

In most circumstances, you’ll get your mortgage paid off sooner and save thousands of dollars on interest too.

Additionally, don’t forget that having equity in your house will offer more security and overall flexibility, specifically if something unplanned happens. With the 100% financed dentist home mortgage loan, you ought to expect to begin underwater. If something does not work out and you’re 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 home.

No matter if you’re moving down the road, 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 az geo dentist home loan program!