Home Mortgage For Physicians In Buckeye Arizona

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 our clients are a first time home buyer or buying a new home in Buckeye Arizona, our vetted loan officers have a solid understanding of the local real estate industry and what it takes to secure your physician loan with efficiency and know-how.

Our loan officers in Buckeye Arizona provide exclusive financing for doctors, exactly like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are very 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 lending them more money with a lot fewer requirements than their competitors.

Physician Loan Experts In Buckeye Arizona

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

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

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

A home loan just for doctors?

Yup, doctors get their own mortgage!

A physician loan is a specialized loan program put together just for doctors in the home purchasing process.

We understand the financial demands of your student loan financial debt, and how important it is to maintain working capital for when the time is right with launching your career. Whether you are a couple years into practice, or a well established doctor, you can rely on us to find a mortgage loan that is specifically tailored for your needs.

A large number of physicians in Buckeye Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or very little to no work history.

Despite these reasons smart lending institutions 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 lenders offer this specialized product and within banks that do just simply consulting with the right mortgage officer makes a tremendous difference.

Benefits of Physician Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept a contract as proof of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Buying a home doesn’t need to drain your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

Suppose you have some funds to put down or are considering waiting 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 instances, you’ll get your mortgage paid off sooner and save thousands on interest rates too.

Additionally, don’t overlook that having equity in your house will offer more security and overall flexibility, specifically if something unplanned happens. With the 100% financed physician home mortgage loan, you ought to anticipate to begin underwater. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially large check for up to 10% of the purchase price just to get out of the home.

Whether you’re relocating 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 house of your dreams with our Buckeye Arizona physician home mortgage program!

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