Home Mortgage For Dentists In Parker 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 Parker Colorado, our vetted loan officers have a solid understanding of the local area real estate market and what it really takes to secure your dentist home mortgage with competency and know-how.

Our loan officers in Parker Colorado offer exclusive financing for dentists, exactly like you.

First off, let’s discuss why dentist mortgage loans even exist. The 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 secure early career dentists by lending them more money with fewer requirements than their competitors.

Dentist Home Mortgage Experts In Parker Colorado

If you are looking for a dentist home loan in Parker Colorado 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 only for dentists?

Yup, dentists get their own loan!

A dentist mortgage is a customized loan program put together just for dentists in the home purchasing process.

We understand the economic demands of your student loan debt, and how important it is to maintain working capital for when the time is right with launching your dental career. Regardless if you are a couple years into practice, or a well established dentist, you can rely on us to find a mortgage loan that is specially tailored for your needs.

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

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

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

Advantages of Dentist Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Usually does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve 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 empty your savings and the process doesn’t have to drain your time.

Should You Put Money Down?

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

Our mortgage 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 mortgage paid off sooner and save thousands on interest too.

Additionally, don’t overlook that having equity in your house will most likely provide more security and overall flexibility, specifically if something unforeseen happens. With the 100% financed dentist mortgage loan, you should expect to begin under water. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price just to get out of the house.

No matter if you’re moving down the road, across town or across the country, we are right here to assist you throughout the dentist home mortgage process:: because you deserve it!

Dentists, get the house of your dreams with our Parker Colorado dentist home loan program!