Dentist Home Loan Program In Oro Valley 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 buying a new home in Oro Valley Arizona, our vetted loan officers have a solid understanding of the local real estate industry and what it really requires to secure your dentist home loan with proficiency and know-how.

Our loan officers in Oro Valley Arizona provide exclusive financing for dentists, exactly like you.

First, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are really profitable clients 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 loaning them more money with a lot fewer stipulations than their competitors.

Dentist Home Loan Experts In Oro Valley Arizona

If you are trying to find a dentist mortgage loan in Oro Valley Arizona then you came to the perfect place.

You’ve trained very hard to become a dentist and buying 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 mortgage!

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

We are aware of the economic demands of your student loan debt, and how vital it is to maintain working capital for when the time is right with starting your dental career. No matter if you are a couple years into practice, or a well established dentist, you can count on us to find a mortgage loan that is exclusively tailored for your needs.

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

Despite these factors smart loan providers know that dentists are a good choice due to the fact that they typically have an exceptionally 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 speaking to the right mortgage officer makes an enormous difference.

Advantages of Dentist Home Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not require private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

What if you have some cash to put down or are considering delaying until you have the cash?

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

In most circumstances, you’ll get your home loan paid off sooner and save thousands of dollars on interest rates too.

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

Regardless of whether you’re relocating down the road, across town or across the country, we are right here to help you throughout the dentist home mortgage process:: because you deserve it!

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