Dentist Home Loan In Pasadena Texas

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.

Regardless of whether our clients are a first time home buyer or buying a new home in Pasadena Texas, our vetted loan officers have a solid understanding of the local real estate market and what it requires to secure your dentist home mortgage with efficiency and expertise.

Our loan officers in Pasadena Texas offer exclusive financing for dentists, exactly like you.

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

Dentist Home Mortgage Experts In Pasadena Texas

If you are trying to find a dentist mortgage loan in Pasadena Texas then you came to the perfect place.

You’ve trained very hard to become a dentist and buying home really 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 home loan!

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

We understand the financial demands of your student loan financial debt, and how essential it is to preserve working capital for when the time is right with launching 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 specifically tailored for your needs.

Many dental experts in Pasadena Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or minimal 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 financial institutions offer this specialized product and within banks that do simply talking with the best mortgage 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 very low to no down payment (0-5 percent).
  • Generally does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve an agreement as proof of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

Buying 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 money to put down or are considering waiting until you have the funds?

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

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

Additionally, don’t forget that having equity in your home will most likely provide more security and overall flexibility, particularly if something unexpected happens. With the 100% financed dentist home mortgage loan, you should anticipate to begin underwater. If something doesn’t work out and you are forced to sell quickly, you should be prepared to write a potentially large check for up to 10% of the purchase price simply to get out of the house.

Whether you are moving down the street, across town or across the country, we are here to help you all throughout the dentist home mortgage process:: because you deserve it!

Dentists, get the home of your dreams with our Pasadena Texas dentist home mortgage program!