Home Mortgage For Dentists Sacramento California

Regardless of whether our clients are a first time home buyer or buying a new home in Sacramento California, our vetted loan officers have a strong understanding of the local area real estate market and what it really requires to close your dentist home mortgage with competency and expertise.

Our loan officers in Sacramento California offer special financing for dentists, just like you.

To start with, let’s talk about why dentist mortgage loans even exist. The main reason is that dentists are very 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 far fewer requirements than their competition.

Dentist Mortgage Experts In Sacramento California

If you are searching for a dentist home loan in Sacramento California then you came to the perfect place.

You’ve trained very hard to become a dentist and purchasing home shouldn’t 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 specifically for dentists?

Yup, dentists get their own mortgage!

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

We recognize the economic demands of your student loan financial debt, and how vital 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 depend on us to find a mortgage loan that is specifically tailored for your needs.

A large number of dental professionals in Sacramento California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or little to no work history.

Despite these reasons smart financial institutions know that dentists are a good choice because they historically have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

Not all mortgage lenders offer this specialized product and within banks that do just simply talking with the best mortgage officer makes a tremendous difference.

Advantages of Dentist Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Usually does not require private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept an agreement as proof of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

Buying a house 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 looking at 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 loan paid off earlier and save thousands on interest rates too.

Additionally, don’t forget that having equity in your house will provide greater security and flexibility, especially if something unplanned happens. With the 100% financed dentist mortgage loan, you should expect to start out underwater. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for as much as 10% of the purchase price just to get out of the house.

No matter if you are moving down the road, across town or across the country, we are available to assist you through the dentist home mortgage process:: because you deserve it!

Dentists, get the house of your dreams with our Sacramento California dentist home loan program!