Physician Home Loan Program In Broomfield 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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Whether you are a first time home buyer or purchasing a new home in Broomfield Colorado, our vetted loan officers have a solid understanding of the local area real estate market and what it requires to secure your physician home loan with efficiency and know-how.

Our loan officers in Broomfield Colorado provide special financing for doctors, just like you.

First off, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are very profitable customers 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 far fewer stipulations than their competitions.

Physician Loan Experts In Broomfield Colorado

If you are searching for a physician mortgage loan in Broomfield Colorado then you came to the perfect 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 only for doctors?

Yup, doctors get their own home loan!

A physician home loan is a specialty loan program made just for doctors in the home purchasing process.

We recognize the economic demands of your student loan financial obligation, and how vital it is to maintain working capital for when the time is right with starting your career. Whether or not you are a couple years into practice, or a well established doctor, you can count on us to find a mortgage loan that is exclusively tailored for your needs.

A large number of physicians in Broomfield Colorado 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 lending institutions know that doctors are a good choice due to the fact that they generally have an exceptionally low default rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banking institutions that do simply talking to the best mortgage loan officer makes a remarkable difference.

Benefits of Physician Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve a contract as documentation of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

Purchasing a house doesn’t need to drain your savings and the process doesn’t need to drain your time.

Should You Put Cash Down?

Suppose you have some funds to put down or are considering delaying until you have the money?

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 situations, you’ll get your home loan paid off sooner and save thousands of dollars on interest too.

Furthermore, don’t forget that having equity in your home will definitely offer greater security and overall flexibility, particularly if something unforeseen happens. With the 100% financed physician home mortgage loan, you ought to expect to start out under water. If something does not work out and you are forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the home.

No matter if you’re moving down the road, across town or across the country, we are here to lend a hand you throughout the physician home loan process:: because you deserve it!

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

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