Dentist Home Loan Program Loveland 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 if you are a first time home buyer or purchasing a new home in Loveland Colorado, our vetted loan officers have a strong understanding of the local area real estate market and what it really takes to secure your dentist home loan with proficiency and expertise.

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

First off, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are really profitable clients for financial 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 lending them more money with a lot fewer requirements than their competitions.

Dentist Home Loan Experts In Loveland Colorado

If you are trying to find a dentist mortgage loan in Loveland Colorado then you came to the right 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 only for dentists?

Yup, dentists get their own home loan!

A dentist home loan is a special loan program designed just for dentists in the home buying process.

We recognize the budgetary demands of your student loan financial debt, and how vital it is to preserve working capital for when the time is right with launching 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 specifically tailored for your needs.

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

Despite these reasons smart lenders know that dentists are a good choice because they historically 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 talking with the right mortgage officer makes a remarkable difference.

Advantages of Dentist Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Often does not call for 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, 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 funds to put down or are looking at delaying until you have the cash?

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

Furthermore, don’t forget that having equity in your home will most likely provide greater security and overall flexibility, specifically if something unplanned happens. With the 100% financed dentist home mortgage loan, you ought to expect to begin underwater. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the house.

Whether you’re relocating down the street, 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 house of your dreams with our Loveland Colorado dentist home loan program!