Home Mortgage For Dentists Littleton 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 buying a new home in Littleton Colorado, our vetted loan officers have a solid understanding of the local real estate market and what it really takes to close your dentist mortgage with competency and know-how.

Our loan officers in Littleton Colorado provide exclusive financing for dentists, exactly like you.

First off, let’s talk about why dentist mortgage loans even exist. The main reason is that dentists are very 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 competitions.

Dentist Home Mortgage Experts In Littleton Colorado

If you are trying to find a dentist mortgage in Littleton Colorado then you came to the perfect place.

You’ve trained very hard to become a dentist and buying home should not be nearly as difficult.

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

We understand the personal financial demands of your student loan liability, and how important 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 home loan that is specially tailored for your needs.

A lot of dental professionals in Littleton 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 reasons smart loan providers know that dentists are a good bet considering that they typically have an extremely low nonpayment rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do simply talking with the best mortgage officer makes an enormous difference.

Advantages of Dentist Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Generally does not require private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept an agreement as documentation of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

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

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

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

Additionally, don’t overlook that having equity in your house will most likely offer greater security and flexibility, especially if something unplanned happens. With the 100% financed dentist mortgage loan, you ought to expect to begin under water. If something does not work out and you are forced to sell quickly, you should be prepared to write a potentially big check for up to 10% of the purchase price simply to get out of the house.

Whether you are moving down the street, 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 Littleton Colorado dentist home loan program!