Dentist Mortgage In Mesquite Texas

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 our clients are a first time home buyer or buying a new home in Mesquite Texas, our vetted loan officers have a strong understanding of the local real estate market and what it really takes to close your dentist home mortgage with competency and know-how.

Our loan officers in Mesquite Texas provide specialized financing for dentists, just like you.

To start with, let’s talk about why dentist mortgage loans even exist. The main 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 secure early career dentists by loaning them more money with a fewer number of terms than their competitors.

Dentist Mortgage Experts In Mesquite Texas

If you are looking for a dentist mortgage in Mesquite Texas then you came to the perfect place.

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

Yup, dentists get their own loan!

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

We are aware of the financial demands of your student loan financial debt, and how important it is to maintain 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 rely on us to find a home loan that is specially tailored for your needs.

Quite a few dentists in Mesquite Texas 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 loan providers know that dentists are a good bet because they historically have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do just simply consulting with the best mortgage officer makes a remarkable difference.

Benefits of Dentist Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not necessitate 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 have to empty your savings and the process doesn’t have to drain your time.

Should You Put Cash Down?

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

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

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

Additionally, don’t forget that having equity in your home will provide more security and overall flexibility, specifically if something unplanned happens. With the 100% financed dentist home mortgage loan, you should anticipate to begin under water. If something doesn’t work out and you are 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 home.

No matter if you are relocating down the road, 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 Mesquite Texas dentist home mortgage program!