Home Mortgage For Dentists In Laredo Texas

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 you are a first time home buyer or purchasing a new home in Laredo Texas, our vetted loan officers have a strong understanding of the local area real estate market and what it requires to secure your dentist home loan with competency and expertise.

Our loan officers in Laredo Texas offer special financing for dentists, just like you.

First off, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are really 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 a fewer number of terms than their competitors.

Dentist Home Mortgage Experts In Laredo Texas

If you are searching for a dentist mortgage loan in Laredo Texas then you came to the right 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 just for dentists?

Yup, dentists get their own loan!

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

We understand the economic demands of your student loan financial obligation, and how essential it is to maintain working capital for when the time is right with starting your dental career. Regardless if you are a couple years into practice, or a well established dentist, you can count on us to find a mortgage loan that is specifically tailored for your needs.

A lot of dental professionals in Laredo Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or little to no work history.

Despite these reasons smart lenders know that dentists are a good choice because they generally have an extremely 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 speaking with the right mortgage officer makes a tremendous difference.

Advantages of Dentist Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Often does not necessitate private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

What if you have some money to put down or are looking at waiting until you have the money?

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

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

Furthermore, don’t forget that having equity in your house will definitely provide more security and overall flexibility, specifically if something unplanned happens. With the 100% financed dentist home mortgage loan, you should expect to start out under water. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for as much as 10% of the purchase price simply to get out of the house.

No matter if you’re moving down the road, across town or across the country, we are available to work with you all throughout the dentist home loan process:: because you deserve it!

Dentists, get the house of your dreams with our Laredo Texas dentist home loan program!