Dentist Mortgage Longmont 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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Regardless of whether you are a first time home buyer or purchasing a new home in Longmont Colorado, our vetted loan officers have a solid understanding of the local real estate market and what it really takes to secure your dentist home loan with efficiency and know-how.

Our loan officers in Longmont Colorado offer exclusive financing for dentists, exactly like you.

First and foremost, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are very profitable clients 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 Mortgage Experts In Longmont Colorado

If you are looking for a dentist mortgage loan in Longmont Colorado then you came to the right place.

You’ve worked very hard to become a dentist and purchasing 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 specifically for dentists?

Yup, dentists get their own home loan!

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

We are aware of the budgetary demands of your student loan debt, and how vital it is to preserve working capital for when the time is right with embarking upon your dental career. No matter if you are a couple years into practice, or a well established dentist, you can depend on us to find a home loan that is specially tailored for your needs.

Many dentists in Longmont Colorado 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 factors smart financial institutions know that dentists are a good bet because they traditionally have an extremely low default rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banks that do simply consulting with the right home loan officer makes a significant difference.

Advantages of Dentist 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), despite the fact that lower than 20 percent down payment.
  • Will accept an agreement as proof 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 Cash Down?

What if you have some funds 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 scenario looks like and the benefits of each too.

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

Furthermore, don’t overlook that having equity in your house will most likely provide more security and flexibility, especially if something unanticipated happens. With the 100% financed dentist mortgage loan, you ought to expect to begin under water. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially big check for as much as 10% of the purchase price just to get out of the house.

Regardless of whether you are moving down the street, across town or across the country, we are available to assist you all throughout the dentist home loan process:: because you deserve it!

Dentists, get the home of your dreams with our Longmont Colorado dentist home loan program!