Home Mortgage For Dentists In Sierra Vista Arizona

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.

Whether or not you are a first time home buyer or buying a new home in Sierra Vista Arizona, our vetted loan officers have a strong understanding of the local area real estate industry and what it takes to secure your dentist home mortgage with competency and expertise.

Our loan officers in Sierra Vista Arizona provide exclusive financing for dentists, exactly like you.

First, let’s talk about why dentist mortgage loans even exist. The main reason is that dentists are really 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 secure early career dentists by loaning them more money with a fewer number of stipulations than their competitors.

Dentist Home Loan Experts In Sierra Vista Arizona

If you are looking for a dentist home loan in Sierra Vista Arizona then you came to the right place.

You’ve worked very hard to become a dentist and purchasing home really 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 only 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 recognize the personal financial demands of your student loan financial debt, and how vital it is to preserve working capital for when the time is right with starting your dental career. Regardless if you are a couple years into practice, or a well established dentist, you can rely on us to find a mortgage loan that is specifically tailored for your needs.

A lot of dental experts in Sierra Vista Arizona 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 loan providers know that dentists are a good bet considering that they generally have an extremely low default rate on loans, high earning potential and secure 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 tremendous difference.

Advantages of Dentist Home Mortgage Loans

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

Purchasing a home doesn’t need 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 thinking about delaying until you have the cash?

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

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

Furthermore, don’t forget that having equity in your house will definitely provide more security and overall flexibility, particularly if something unforeseen happens. With the 100% financed dentist home mortgage loan, you ought to anticipate to begin underwater. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially sizable check for as much as 10% of the purchase price just to get out of the house.

Regardless of whether you are relocating down the road, across town or across the country, we are right here to assist you all throughout the dentist home mortgage process:: because you deserve it!

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