Physician Mortgage In Boulder Colorado

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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Regardless if you are a first time home buyer or purchasing a new home in Boulder Colorado, our vetted loan officers have a strong understanding of the local real estate industry and what it takes to secure your physician home mortgage with proficiency and expertise.

Our loan officers in Boulder Colorado offer specialized financing for doctors, like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are really profitable clients for lenders. 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 stipulations than their competitors.

Physician Home Loan Experts In Boulder Colorado

If you are looking for a physician loan in Boulder Colorado then you came to the right place.

You’ve worked very hard to become a doctor and purchasing home shouldn’t 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 home loan!

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

We recognize the budgetary demands of your student loan liability, and how crucial it is to preserve working capital for when the time is right with starting your career. Whether you are a couple years into practice, or a well established doctor, you can depend on us to find a home loan that is specifically tailored for your needs.

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

Despite these reasons smart lenders know that doctors are a good choice because they typically have an incredibly low default rate on loans, high earning potential and secure jobs.

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

Advantages of Physician Home Mortgage Loans

  • Usually does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not require 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 house 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 delaying until you have the funds?

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

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

Furthermore, don’t overlook that having equity in your home will definitely provide greater security and flexibility, particularly if something unanticipated happens. With the 100% financed physician home mortgage loan, you ought to anticipate to begin underwater. If something doesn’t work out and you are forced to sell quickly, you should be prepared to write a potentially large check for up to 10% of the purchase price simply to get out of the home.

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

Doctors, get the home of your dreams with our Boulder Colorado physician home mortgage program!

Less than an hour ago, doctors just like you requested a loan from the locations listed below.

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