Dentist Mortgage In Mesa Arizona

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 purchasing a new home in Mesa Arizona, our vetted loan officers have a solid understanding of the local area real estate industry and what it takes to close your dentist mortgage with proficiency and know-how.

Our loan officers in Mesa Arizona offer special financing for dentists, exactly like you.

To start with, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are extremely profitable customers for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use dentist home loans to secure early career dentists by lending them more money with a fewer number of stipulations than their competitors.

Dentist Home Mortgage Experts In Mesa Arizona

If you are searching for a dentist mortgage in Mesa Arizona then you came to the perfect place.

You’ve trained 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 specifically for dentists?

Yup, dentists get their own loan!

A dentist home loan is a specialty loan program made just for dentists in the home purchasing process.

We recognize the personal financial demands of your student loan financial obligation, and how crucial it is to preserve 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 depend on us to find a home loan that is specifically tailored for your needs.

A lot of dental professionals in Mesa Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or minimal to no work history.

Despite these reasons smart lenders know that dentists are a good bet because they generally have an incredibly low default rate on loans, high earning potential and stable jobs.

Not all mortgage lenders offer this specialized product and within banks that do just simply speaking with the right mortgage loan officer makes a tremendous difference.

Advantages of Dentist 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).
  • Usually does not call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept an agreement as documentation of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

Purchasing a house doesn’t have to drain your savings and the process doesn’t have to drain your time.

Should You Put Cash Down?

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

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 loan paid off earlier and save thousands of dollars on interest too.

Furthermore, don’t forget that having equity in your home will provide greater security and flexibility, specifically if something unexpected happens. With the 100% financed dentist home mortgage loan, you ought to anticipate to begin underwater. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially big check for up to 10% of the purchase price just to get out of the home.

Whether you are moving down the street, across town or across the country, we are here to work with you throughout the dentist home loan process:: because you deserve it!

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