Dentist Home Loan Program Prescott 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 Prescott Valley Arizona, our vetted loan officers have a solid understanding of the local real estate industry and what it really takes to secure your dentist home mortgage with efficiency and expertise.

Our loan officers in Prescott Valley Arizona provide special financing for dentists, like you.

First off, let’s talk about why dentist mortgage loans even exist. The reason is that dentists are very profitable customers for lending 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 a fewer number of requirements than their competitions.

Dentist Home Loan Experts In Prescott Valley Arizona

If you are searching for a dentist home loan in Prescott 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 just for dentists?

Yup, dentists get their own home loan!

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

We understand the financial demands of your student loan liability, and how essential 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 count on us to find a mortgage loan that is specifically tailored for your needs.

Quite a few dental professionals in Prescott Valley Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or minimal to no work history.

Despite these factors smart financial institutions know that dentists are a good choice due to the fact that they typically have an extremely low default rate on loans, high earning potential and stable jobs.

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

Advantages of Dentist Home Mortgage Loans

  • Usually does not include student loan monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Usually does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve a contract as documentation of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

Buying a house 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 thinking about delaying until you have the funds?

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

In most cases, 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 home will most likely provide more security and flexibility, particularly if something unanticipated happens. With the 100% financed dentist mortgage loan, you should anticipate to begin underwater. If something does not work out and you’re forced to sell quickly, you need to be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the house.

Whether you’re relocating down the street, across town or across the country, we are here to lend a hand you through the dentist home loan process:: because you deserve it!

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