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

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 purchasing a new home in Thornton Colorado, our vetted loan officers have a solid understanding of the local area real estate industry and what it really requires to secure your dentist home mortgage with competency and expertise.

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

First, let’s discuss why dentist mortgage loans even exist. The 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 loaning them more money with fewer stipulations than their competitions.

Dentist Home Mortgage Experts In Thornton Colorado

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

You’ve trained very hard to become a dentist and buying 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 specifically for dentists?

Yup, dentists get their own mortgage!

A dentist home loan is a customized loan program developed just for dentists in the home buying process.

We are aware of the economic demands of your student loan debt, and how essential 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 rely on us to find a mortgage loan that is specially 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, large student loan financial debt or minimal to no work history.

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

Not all mortgage lenders offer this specialized product and within banks that do simply speaking to the right mortgage officer makes a tremendous difference.

Benefits of Dentist Home Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Usually does not necessitate 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 home doesn’t have 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 waiting until you have the funds?

Our loan providers can do the math for you and show you what each situation looks like and the benefits of each too.

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

Furthermore, don’t forget that having equity in your house will definitely offer greater security and flexibility, specifically if something unanticipated happens. With the 100% financed dentist mortgage loan, you ought to anticipate to start out underwater. 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 just to get out of the house.

No matter if you’re relocating down the road, across town or across the country, we are right here to work with you through the dentist home loan process:: because you deserve it!

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