Dentist Home Loan Lakewood Colorado

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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Whether or not you are a first time home buyer or purchasing a new home in Lakewood Colorado, our vetted loan officers have a strong understanding of the local area real estate market and what it requires to close your dentist home mortgage with efficiency and know-how.

Our loan officers in Lakewood Colorado offer specialized financing for dentists, exactly like you.

To start with, let’s talk about why dentist mortgage loans even exist. The main 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 lock in early career dentists by lending them more money with a lot fewer terms than their competitors.

Dentist Home Loan Experts In Lakewood Colorado

If you are looking for a dentist home loan in Lakewood Colorado then you came to the perfect place.

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

A dentist home loan is a customized loan program created just for dentists in the home purchasing process.

We recognize the budgetary demands of your student loan debt, and how crucial it is to maintain working capital for when the time is right with starting your dental career. No matter if you are a couple years into practice, or a well established dentist, you can rely on us to find a mortgage loan that is specifically tailored for your needs.

Many dentists in Lakewood Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or little to no work history.

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

Not all financial institutions offer this specialized product and within banking institutions that do simply consulting with the best home loan officer makes a tremendous difference.

Advantages of Dentist Home Mortgage Loans

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

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

Should You Put Money Down?

Suppose you have some cash to put down or are thinking about waiting until you have the cash?

Our lenders 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 home mortgage paid off sooner and save thousands on interest too.

Additionally, don’t overlook that having equity in your home will most likely offer greater security and flexibility, specifically if something unforeseen happens. With the 100% financed dentist mortgage loan, you should anticipate to begin under water. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially sizable check for up to 10% of the purchase price simply to get out of the house.

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

Dentists, get the home of your dreams with our Lakewood Colorado dentist home mortgage program!