Dentist Home Loan Westminster 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 or not you are a first time home buyer or buying a new home in Westminster Colorado, our vetted loan officers have a strong understanding of the local real estate industry and what it really takes to close your dentist home mortgage with efficiency and expertise.

Our loan officers in Westminster Colorado offer specialized financing for dentists, exactly like you.

First and foremost, 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 loaning them more money with fewer terms than their competitions.

Dentist Home Mortgage Experts In Westminster Colorado

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

You’ve worked very hard to become a dentist and buying home shouldn’t 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 specifically for dentists?

Yup, dentists get their own mortgage!

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

We recognize the financial demands of your student loan liability, and how important it is to maintain working capital for when the time is right with starting your dental career. Whether or not you are a couple years into practice, or a well established dentist, you can depend on us to find a mortgage loan that is specifically tailored for your needs.

A large number of dentists in Westminster Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or very little to no work history.

Despite these reasons smart lending institutions know that dentists are a good bet due to the fact that they typically have an extremely low default rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banking institutions that do just simply speaking with the right mortgage officer makes an enormous difference.

Benefits of Dentist Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as documentation of future earnings, instead of pay stubs or W-2s, which 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 Cash Down?

What if you have some money to put down or are looking at waiting until you have the funds?

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

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

Additionally, don’t forget that having equity in your house will offer greater security and flexibility, particularly if something unforeseen happens. With the 100% financed dentist mortgage loan, you ought to anticipate to start out underwater. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially large check for up to 10% of the purchase price just to get out of the home.

Regardless of whether you are relocating down the street, across town or across the country, we are here to assist you through the dentist home loan process:: because you deserve it!

Dentists, get the house of your dreams with our Westminster Colorado dentist home loan program!