Home Mortgage For Physician Amarillo Texas

Preferred Physician Loan Officer

Doug Crouse
NMLS# 363861
Mobile: (816) 728-3631
Email: doug.crouse@umb.com
Website: www.DoctorLoanExpert.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 buying a new home in Amarillo Texas, our vetted loan officers have a strong understanding of the local area real estate market and what it requires to secure your physician loan with efficiency and expertise.

Our loan officers in Amarillo Texas provide special financing for doctors, exactly like you.

To start with, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are extremely profitable clients for lending institutions. They take out big loans early in their careers and almost always pay them off. Lenders use physician home loans to lock in early career doctors by loaning them more money with a lot fewer terms than their competitors.

Physician Mortgage Experts In Amarillo Texas

If you are trying to find a physician loan in Amarillo Texas then you came to the right place.

You’ve trained very hard to become a doctor and purchasing home should not be nearly as difficult.

Did you know there is a special loan that makes it easy for doctors to buy a home?

A home loan specifically for doctors?

Yup, doctors get their own loan!

A physician home loan is a specialty loan program developed just for doctors in the home buying process.

We recognize the economic demands of your student loan debt, and how vital it is to maintain working capital for when the time is right with embarking upon your career. Regardless if you are a couple years into practice, or a well established doctor, you can count on us to find a home loan that is exclusively tailored for your needs.

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

Despite these factors smart loan providers know that doctors are a good choice because they generally have an exceptionally low nonpayment rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banks that do just simply talking to the right mortgage officer makes an enormous difference.

Benefits of Physician Mortgage Loans

  • Usually does not include student loan monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not call for private mortgage insurance (PMI), even if 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 have to empty 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 thinking about delaying 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 cases, you’ll get your mortgage paid off sooner and save thousands of dollars on interest rates too.

Furthermore, don’t forget that having equity in your house will likely offer more security and flexibility, particularly if something unexpected happens. With the 100% financed physician mortgage loan, you ought to expect to begin under water. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially sizable check for up to 10% of the purchase price simply to get out of the house.

Whether you are moving down the road, across town or across the country, we are right here to work with you through the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Amarillo Texas physician home mortgage program!

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