Dentist Home Loan Program In Tempe 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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Regardless if our clients are a first time home buyer or buying a new home in Tempe Arizona, our vetted loan officers have a solid understanding of the local real estate market and what it takes to secure your dentist home mortgage with proficiency and know-how.

Our loan officers in Tempe Arizona provide exclusive financing for dentists, just like you.

First, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are extremely 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 secure early career dentists by loaning them more money with fewer requirements than their competitions.

Dentist Home Loan Experts In Tempe Arizona

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

You’ve trained 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 loan!

A dentist home loan is a specialized loan program put together just for dentists in the home purchasing process.

We recognize the budgetary demands of your student loan liability, and how crucial 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 depend on us to find a home loan that is specially tailored for your needs.

Quite a few dental experts in Tempe Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or minimal to no work history.

Despite these factors smart lending institutions know that dentists are a good bet considering that they generally have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all banks offer this specialized product and within banks that do just simply consulting with the right home loan officer makes a significant difference.

Benefits of Dentist Mortgage Loans

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

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

Should You Put Cash Down?

Suppose you have some money to put down or are thinking about waiting until you have the funds?

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

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

Furthermore, don’t forget that having equity in your home will likely offer greater security and flexibility, specifically if something unforeseen happens. With the 100% financed dentist mortgage loan, you should expect 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 up to 10% of the purchase price just to get out of the home.

Regardless of whether you are moving down the street, across town or across the country, we are available to help you throughout the dentist home loan process:: because you deserve it!

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