Dentist Home Loan In Northglenn Colorado

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.

Whether our clients are a first time home buyer or buying a new home in Northglenn Colorado, our vetted loan officers have a strong understanding of the local area real estate industry and what it requires to secure your dentist home loan with proficiency and expertise.

Our loan officers in Northglenn Colorado provide special financing for dentists, just like you.

First off, let’s talk about why dentist mortgage loans even exist. The main reason is that dentists are extremely 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 fewer requirements than their competitions.

Dentist Mortgage Experts In Northglenn Colorado

If you are trying to find a dentist mortgage in Northglenn Colorado then you came to the perfect place.

You’ve worked very hard to become a dentist and purchasing home shouldn’t 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 mortgage!

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

We recognize the personal financial demands of your student loan liability, and how important it is to maintain working capital for when the time is right with launching your dental career. Whether you are a couple years into practice, or a well established dentist, you can rely on us to find a home loan that is specifically tailored for your needs.

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

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

Not all mortgage lenders offer this specialized product and within banking institutions that do simply speaking with the right mortgage loan officer makes a remarkable difference.

Benefits of Dentist Home Mortgage Loans

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

Buying a house doesn’t need to empty your savings and the process doesn’t have 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 cash?

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

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

Additionally, don’t overlook that having equity in your home will definitely provide more security and overall flexibility, particularly if something unanticipated happens. With the 100% financed dentist home mortgage loan, you should anticipate to start out under water. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially large check for up to 10% of the purchase price simply to get out of the home.

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

Dentists, get the home of your dreams with our Northglenn Colorado dentist home mortgage program!