Dentist Mortgage In Pueblo 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.

Regardless of whether our clients are a first time home buyer or buying a new home in Pueblo Colorado, our vetted loan officers have a solid understanding of the local area real estate industry and what it takes to secure your dentist home loan with proficiency and expertise.

Our loan officers in Pueblo Colorado provide exclusive financing for dentists, just like you.

To start with, let’s talk about why dentist mortgage loans even exist. The reason is that dentists are extremely 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 lending them more money with far fewer terms than their competitions.

Dentist Home Mortgage Experts In Pueblo Colorado

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

You’ve worked very hard to become a dentist and purchasing 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 specifically for dentists?

Yup, dentists get their own home loan!

A dentist home loan is a special loan program developed just for dentists in the home buying process.

We are aware of the personal financial demands of your student loan debt, and how vital it is to preserve working capital for when the time is right with embarking upon your dental career. Regardless 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 specifically tailored for your needs.

A lot of dentists in Pueblo Colorado 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 financial institutions know that dentists are a good choice considering that they typically have an extremely low nonpayment rate on loans, high earning potential and secure jobs.

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

Benefits of Dentist Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), even when 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.

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

Should You Put Cash Down?

Suppose you have some money to put down or are looking at delaying until you have the funds?

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

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

Furthermore, don’t forget that having equity in your home will definitely provide greater security and overall flexibility, particularly if something unanticipated happens. With the 100% financed dentist mortgage loan, you should anticipate to begin underwater. 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 simply to get out of the house.

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

Dentists, get the house of your dreams with our Pueblo Colorado dentist home mortgage program!