Dentist Mortgage In Surprise 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.

Regardless if you are a first time home buyer or buying a new home in Surprise Arizona, our vetted loan officers have a strong understanding of the local area real estate industry and what it requires to close your dentist mortgage with competency and know-how.

Our loan officers in Surprise Arizona provide specialized financing for dentists, like you.

First, let’s talk about why dentist mortgage loans even exist. The main reason is that dentists are really profitable clients for lending 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 competitors.

Dentist Home Loan Experts In Surprise Arizona

If you are looking for a dentist mortgage in Surprise Arizona then you came to the perfect place.

You’ve worked 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 only for dentists?

Yup, dentists get their own home loan!

A dentist home mortgage is a special loan program put together just for dentists in the home buying 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 embarking upon your dental career. No matter if you are a couple years into practice, or a well established dentist, you can count on us to find a home loan that is specially tailored for your needs.

A lot of dentists in Surprise 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 choice because they historically have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

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

Advantages of Dentist Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Typically does not call for 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 need to drain your time.

Should You Put Money Down?

Suppose 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 circumstance looks like and the advantages of each too.

In most cases, you’ll get your home loan paid off earlier and save thousands of dollars on interest too.

Additionally, don’t forget that having equity in your house will most likely offer greater security and flexibility, particularly if something unforeseen happens. With the 100% financed dentist home mortgage loan, you should anticipate to start out under water. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially big check for as much as 10% of the purchase price just to get out of the house.

Whether you’re relocating down the street, across town or across the country, we are here to work with you throughout the dentist home mortgage process:: because you deserve it!

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