Physician Mortgage In Casa Grande Arizona

Preferred Physician Loan Officer

Doug Crouse
NMLS# 363861
Mobile: (816) 728-3631
Email: doug.crouse@umb.com
Website: www.DoctorLoanExpert.com

Purchase Loans

  • 100% financing up to 750k
  • 95% LTV from 750k – 1.25mil
  • 90% LTV from 1.25 mil to 2 mil
  • Over 2 mil on a case by case basis

Available for Primary & Secondary Residences

  • Professional loan includes: physicians, dentists, attorneys, optometrists, veterinarians, and doctors of pharmacy
  • Available in 47 states
  • No mortgage insurance required
  • 15 and 30 year Fixed Rates available
  • Minimum credit score of 700 required
  • Maximum debt ratios and 3 months reserves apply
  • Close up to 60 days prior to start date with signed contract
  • Student loan payments deferred 12+ months are excluded
  • No limit on years out of training

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.

Get Your Physician Loan Rates Now by Completing the Form Below.

Whether our clients are a first time home buyer or purchasing a new home in Casa Grande Arizona, our vetted loan officers have a strong understanding of the local real estate market and what it requires to secure your physician home loan with competency and expertise.

Our loan officers in Casa Grande Arizona offer specialized financing for doctors, exactly like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The 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 loaning them more money with a lot fewer terms than their competitions.

Physician Home Loan Experts In Casa Grande Arizona

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

You’ve worked very hard to become a doctor and buying home really 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 loan is a special loan program made just for doctors in the home purchasing process.

We understand the financial demands of your student loan financial debt, and how crucial 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 depend on us to find a home loan that is exclusively tailored for your needs.

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

Despite these reasons smart lending institutions know that doctors are a good bet due to the fact that they traditionally have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banks that do simply speaking to the best mortgage officer makes a tremendous difference.

Benefits of Physician Home Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Often does not necessitate private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept an agreement as documentation of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

Purchasing a house 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 cash to put down or are thinking about waiting until you have the funds?

Our mortgage 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 mortgage loan paid off sooner and save thousands on interest too.

Furthermore, don’t forget that having equity in your house will most likely provide greater security and overall flexibility, particularly if something unforeseen happens. With the 100% financed physician mortgage loan, you should anticipate to begin under water. If something doesn’t work out and you are forced to sell quickly, you should be prepared to write a potentially sizable check for up to 10% of the purchase price just to get out of the home.

No matter if you are moving down the street, across town or across the country, we are available to work with you through the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Casa Grande Arizona physician home mortgage program!

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