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

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 or not our clients are a first time home buyer or purchasing a new home in Casa Grande Arizona, our vetted loan officers have a solid understanding of the local real estate market and what it takes to secure your physician loan with proficiency and expertise.

Our loan officers in Casa Grande Arizona provide exclusive financing for doctors, just like you.

First off, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely 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 a lot fewer requirements than their competitors.

Physician Loan Experts In Casa Grande Arizona

If you are searching 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 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 home loan!

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

We are aware of the economic demands of your student loan liability, and how vital it is to maintain working capital for when the time is right with embarking upon your career. No matter if 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.

Quite a few physicians in Casa Grande Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or little to no work history.

Despite these reasons smart lending institutions know that doctors are a good bet considering that they typically have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

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

Benefits of Physician Home Mortgage Loans

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

Purchasing a home 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 cash to put down or are thinking about waiting 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.

Additionally, don’t forget that having equity in your home will provide more security and flexibility, specifically if something unforeseen happens. With the 100% financed physician mortgage loan, you should 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 large check for as much as 10% of the purchase price just to get out of the home.

Whether you’re moving down the street, across town or across the country, we are right here to help you throughout the physician home loan process:: because you deserve it!

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

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