Physician Home Loan Castle Rock 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.

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

Whether or not you are a first time home buyer or buying a new home in Castle Rock Colorado, our vetted loan officers have a strong understanding of the local area real estate market and what it really requires to secure your physician home mortgage with proficiency and know-how.

Our loan officers in Castle Rock Colorado provide specialized financing for doctors, just like you.

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

Physician Home Loan Experts In Castle Rock Colorado

If you are looking for a physician mortgage loan in Castle Rock Colorado then you came to the perfect place.

You’ve trained very hard to become a doctor and purchasing home really 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 only for doctors?

Yup, doctors get their own home loan!

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

We recognize the financial demands of your student loan liability, and how important it is to maintain working capital for when the time is right with embarking upon your career. Regardless if you are a couple years into practice, or a well established doctor, you can count on us to find a home loan that is specially tailored for your needs.

A lot of doctors in Castle Rock Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or little to no work history.

Despite these factors smart lending institutions know that doctors are a good bet considering that they generally have an extremely 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 speaking to the best mortgage loan officer makes an enormous difference.

Advantages of Physician Home Mortgage Loans

  • Typically 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 require private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, which 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 Cash Down?

What if you have some cash 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 circumstance looks like and the advantages of each too.

In most circumstances, you’ll get your home loan paid off earlier and save thousands of dollars on interest rates too.

Furthermore, don’t forget that having equity in your house will most likely provide greater security and flexibility, especially if something unforeseen happens. With the 100% financed physician mortgage loan, you ought to 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 big check for up to 10% of the purchase price just to get out of the home.

Regardless of whether you’re relocating down the road, across town or across the country, we are available to help you through the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Castle Rock Colorado physician loan program!

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