Dentist Home Loan In Scottsdale 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 you are a first time home buyer or buying a new home in Scottsdale Arizona, 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 Scottsdale Arizona provide special financing for dentists, just like you.

To start with, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are extremely profitable customers for financial institutions. 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 terms than their competitions.

Dentist Home Mortgage Experts In Scottsdale Arizona

If you are searching for a dentist home loan in Scottsdale Arizona then you came to the right place.

You’ve worked very hard to become a dentist and buying 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 just for dentists?

Yup, dentists get their own home loan!

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

We are aware of the financial demands of your student loan financial debt, and how crucial it is to maintain 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 depend on us to find a home loan that is specifically tailored for your needs.

Many dental experts in Scottsdale Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or very little to no work history.

Despite these reasons smart lending institutions know that dentists are a good bet because they typically have an exceptionally low nonpayment rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do simply speaking to the best mortgage officer makes a remarkable difference.

Advantages of Dentist Mortgage Loans

  • Generally 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.

Purchasing a house doesn’t need to empty your savings and the process doesn’t need to drain your time.

Should You Put Cash Down?

Suppose you have some cash to put down or are considering delaying until you have the money?

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

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

Furthermore, don’t overlook that having equity in your home will likely provide greater security and overall flexibility, specifically if something unplanned happens. With the 100% financed dentist mortgage loan, you should expect to start out under water. If something doesn’t work out and you are forced to sell quickly, you should be prepared to write a potentially big check for up to 10% of the purchase price simply to get out of the house.

Whether you are relocating down the road, across town or across the country, we are available to work with you throughout the dentist home loan process:: because you deserve it!

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