Home Mortgage For Dentists In Maricopa Arizona

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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Whether or not you are a first time home buyer or purchasing a new home in Maricopa Arizona, our vetted loan officers have a strong understanding of the local area real estate market and what it takes to close your dentist mortgage with proficiency and know-how.

Our loan officers in Maricopa Arizona provide specialized financing for dentists, just like you.

To start with, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are very profitable customers 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 lending them more money with a fewer number of stipulations than their competitors.

Dentist Home Mortgage Experts In Maricopa Arizona

If you are looking for a dentist home loan in Maricopa Arizona then you came to the right place.

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

Yup, dentists get their own home loan!

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

We are aware of the financial demands of your student loan liability, 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 rely on us to find a mortgage loan that is specifically tailored for your needs.

Quite a few dental professionals in Maricopa Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or minimal to no work history.

Despite these reasons smart lending institutions know that dentists are a good bet considering that they traditionally have an extremely low default rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banking institutions that do simply talking with the best home loan officer makes a remarkable difference.

Benefits of Dentist Home Mortgage Loans

  • Usually does not include student loan monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve an agreement as proof of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

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

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

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

Additionally, don’t forget that having equity in your home will most likely provide greater security and overall flexibility, especially if something unplanned happens. With the 100% financed dentist mortgage loan, you ought to anticipate to begin underwater. If something does not work out and you’re 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 home.

No matter if you are relocating down the street, across town or across the country, we are here to assist you through the dentist home loan process:: because you deserve it!

Dentists, get the home of your dreams with our az geo dentist home mortgage program!