Home Mortgage For Dentists In San Antonio Texas

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 our clients are a first time home buyer or buying a new home in San Antonio Texas, our vetted loan officers have a strong understanding of the local area real estate industry and what it really takes to secure your dentist home loan with efficiency and expertise.

Our loan officers in San Antonio Texas provide specialized financing for dentists, exactly like you.

First and foremost, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are extremely profitable clients for lenders. They take out big loans early in their careers and almost always pay them off. Lenders use dentist home loans to lock in early career dentists by lending them more money with a lot fewer requirements than their competitors.

Dentist Mortgage Experts In San Antonio Texas

If you are looking for a dentist mortgage in San Antonio Texas then you came to the perfect place.

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

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

We recognize the personal financial demands of your student loan financial debt, and how important it is to preserve working capital for when the time is right with launching your dental career. Whether 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.

A lot of dentists in San Antonio Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or little to no work history.

Despite these factors smart loan providers know that dentists are a good choice because they typically have an incredibly low default rate on loans, high earning potential and secure jobs.

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

Advantages of Dentist Home Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Generally does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

What if you have some money to put down or are considering waiting until you have the money?

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

In most cases, you’ll get your home mortgage paid off sooner and save thousands on interest rates too.

Additionally, don’t overlook that having equity in your house will likely offer greater security and overall flexibility, specifically if something unplanned happens. With the 100% financed dentist mortgage loan, you should expect to start out underwater. If something doesn’t work out and you are 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 home.

Regardless of whether you’re relocating down the road, across town or across the country, we are right here to lend a hand you all throughout the dentist home loan process:: because you deserve it!

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