Home Mortgage For Dentists Yuma 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 you are a first time home buyer or buying a new home in Yuma Arizona, our vetted loan officers have a strong understanding of the local area real estate market and what it really takes to secure your dentist mortgage with competency and know-how.

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

To start with, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are very profitable clients for lenders. 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 far fewer requirements than their competitors.

Dentist Mortgage Experts In Yuma Arizona

If you are trying to find a dentist mortgage in Yuma Arizona 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 just for dentists?

Yup, dentists get their own mortgage!

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

We understand the financial demands of your student loan financial obligation, 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 depend on us to find a mortgage loan that is exclusively tailored for your needs.

A lot of dental experts in Yuma Arizona 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 lenders know that dentists are a good choice considering that they traditionally have an exceptionally low nonpayment rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do just simply talking with the best mortgage officer makes a tremendous difference.

Benefits of Dentist Home Mortgage Loans

  • Usually 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 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, in lieu of pay stubs or W-2s, that don’t yet exist.

Purchasing a home doesn’t have to empty your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

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

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

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

Additionally, don’t forget that having equity in your home will likely provide greater security and flexibility, particularly if something unforeseen happens. With the 100% financed dentist mortgage loan, you ought to expect 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.

No matter if you’re moving down the street, across town or across the country, we are available to assist you all throughout the dentist home loan process:: because you deserve it!

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