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

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 purchasing a new home in Oro Valley Arizona, our vetted loan officers have a solid understanding of the local real estate market and what it requires to close your dentist mortgage with efficiency and know-how.

Our loan officers in Oro Valley Arizona offer special financing for dentists, just like you.

First and foremost, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are really 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 loaning them more money with fewer requirements than their competitors.

Dentist Home Loan Experts In Oro Valley Arizona

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

You’ve worked very hard to become a dentist and buying home really should not 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 only for dentists?

Yup, dentists get their own mortgage!

A dentist home mortgage is a specialized loan program made just for dentists in the home buying process.

We are aware of the budgetary demands of your student loan financial debt, and how crucial 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 depend on us to find a home loan that is specially tailored for your needs.

Many dentists 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 obligation or very little to no work history.

Despite these reasons smart lenders know that dentists are a good choice due to the fact that they historically have an exceptionally low nonpayment rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banks that do just simply speaking to the right mortgage loan officer makes an enormous difference.

Benefits of Dentist Home Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Typically 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, instead of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

Suppose you have some funds to put down or are considering waiting until you have the cash?

Our loan providers 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 home mortgage paid off earlier and save thousands on interest too.

Furthermore, don’t overlook that having equity in your home will definitely provide more security and overall flexibility, specifically if something unforeseen happens. With the 100% financed dentist home mortgage loan, you ought to anticipate to start out under water. If something doesn’t work out and you are 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’re relocating down the road, across town or across the country, we are available to work with you all throughout the dentist home loan process:: because you deserve it!

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