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

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.

Regardless of whether 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 real estate market and what it requires to secure your dentist home loan with proficiency and know-how.

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

First and foremost, let’s talk about 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 lock in early career dentists by loaning them more money with far fewer terms than their competitions.

Dentist Home Loan Experts In Lakewood Colorado

If you are looking for a dentist mortgage in Lakewood Colorado then you came to the right 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 just for dentists?

Yup, dentists get their own mortgage!

A dentist home loan is a specialized loan program designed just for dentists in the home purchasing process.

We recognize the personal financial demands of your student loan financial debt, and how essential it is to preserve working capital for when the time is right with launching your dental career. Whether or not you are a couple years into practice, or a well established dentist, you can count on us to find a mortgage loan that is exclusively tailored for your needs.

A lot of 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 obligation or very little to no work history.

Despite these reasons smart financial institutions know that dentists are a good choice considering that they typically have an incredibly low default rate on loans, high earning potential and stable jobs.

Not all lenders offer this specialized product and within banks that do simply speaking to the right home loan officer makes a remarkable difference.

Advantages of Dentist Home Mortgage Loans

  • Typically does not include student loan regular 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 if lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

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

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

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

Additionally, don’t overlook that having equity in your house will likely offer more security and flexibility, particularly 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 are forced to sell quickly, you should be prepared to write a potentially big 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 street, across town or across the country, we are here to work with you throughout the dentist home mortgage process:: because you deserve it!

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