Dentist Home Loan Program In Thornton Colorado

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 our clients are a first time home buyer or buying a new home in Thornton Colorado, our vetted loan officers have a solid understanding of the local area real estate market and what it requires to close your dentist mortgage with proficiency and expertise.

Our loan officers in Thornton Colorado provide exclusive financing for dentists, like you.

First, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are very profitable clients 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 far fewer terms than their competitors.

Dentist Home Mortgage Experts In Thornton Colorado

If you are trying to find a dentist mortgage loan in Thornton Colorado then you came to the perfect place.

You’ve worked very hard to become a dentist and purchasing home really should not 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 home mortgage is a customized loan program put together just for dentists in the home buying process.

We recognize the financial demands of your student loan liability, and how crucial it is to maintain working capital for when the time is right with embarking upon 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 exclusively tailored for your needs.

A large number of dental professionals in Thornton Colorado 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 loan providers know that dentists are a good bet due to the fact that they historically have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

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

Benefits of Dentist Mortgage Loans

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

Buying 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 cash to put down or are looking at waiting until you have the funds?

Our loan providers 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 overlook that having equity in your home will most likely provide greater security and flexibility, especially if something unplanned happens. With the 100% financed dentist mortgage loan, you ought to expect to start out under water. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for as much as 10% of the purchase price simply to get out of the home.

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

Dentists, get the house of your dreams with our Thornton Colorado dentist home mortgage program!