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

Purchase Loans

  • 100% financing up to 750k
  • 95% LTV from 750k – 1.25mil
  • 90% LTV from 1.25 mil to 2 mil
  • Over 2 mil on a case by case basis

Available for Primary & Secondary Residences

  • Professional loan includes: physicians, dentists, attorneys, optometrists, veterinarians, and doctors of pharmacy
  • Available in 47 states
  • No mortgage insurance required
  • 15 and 30 year Fixed Rates available
  • Minimum credit score of 700 required
  • Maximum debt ratios and 3 months reserves apply
  • Close up to 60 days prior to start date with signed contract
  • Student loan payments deferred 12+ months are excluded
  • No limit on years out of training

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.

Get Your Dentist Loan Rates Now by Completing the Form Below.

Whether our clients are a first time home buyer or purchasing a new home in Lake Havasu City Arizona, our vetted loan officers have a solid understanding of the local area real estate market and what it really requires to secure your dentist home loan with efficiency and expertise.

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

First and foremost, let’s talk about why dentist mortgage loans even exist. The main reason is that dentists are really profitable customers 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 far fewer terms than their competitions.

Dentist Home Mortgage Experts In Lake Havasu City Arizona

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

You’ve worked very hard to become a dentist and buying 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 only for dentists?

Yup, dentists get their own home loan!

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

We are aware of the economic demands of your student loan debt, and how crucial it is to maintain 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 depend on us to find a home loan that is exclusively tailored for your needs.

Many dental professionals 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 debt or minimal to no work history.

Despite these reasons smart lenders know that dentists are a good bet due to the fact that they typically have an extremely low default rate on loans, high earning potential and stable jobs.

Not all lenders offer this specialized product and within banking institutions that do simply consulting with the best mortgage loan officer makes a remarkable difference.

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

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

Should You Put Money Down?

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

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

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

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

Whether you are relocating down the road, across town or across the country, we are available to assist you through the dentist home mortgage process:: because you deserve it!

Dentists, get the house of your dreams with our az geo dentist home mortgage program!