Home Mortgage For Physician Centennial 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 our clients are a first time home buyer or purchasing a new home in Centennial Colorado, our vetted loan officers have a solid understanding of the local real estate industry and what it really requires to secure your physician loan with efficiency and know-how.

Our loan officers in Centennial Colorado provide special financing for doctors, exactly like you.

First off, let’s discuss why physician mortgage loans even exist. The reason is that doctors are extremely profitable clients 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 loaning them more money with a fewer number of stipulations than their competitions.

Physician Home Mortgage Experts In Centennial Colorado

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

You’ve trained very hard to become a doctor and purchasing home shouldn’t 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 customized loan program designed just for doctors in the home purchasing process.

We are aware of the financial demands of your student loan liability, and how crucial it is to maintain working capital for when the time is right with launching your career. Regardless 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 specially tailored for your needs.

Quite a few physicians in Centennial Colorado 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 lenders know that doctors are a good bet because they historically have an exceptionally low default rate on loans, high earning potential and stable jobs.

Not all lenders offer this specialized product and within banking institutions that do simply speaking to the best home loan officer makes an enormous difference.

Benefits of Physician Home Loans

  • Usually does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not require private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve an agreement as documentation of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Cash Down?

Suppose you have some cash to put down or are looking at delaying until you have the money?

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 situations, 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 most likely offer more security and flexibility, particularly if something unplanned happens. With the 100% financed physician home mortgage loan, you ought to expect to begin underwater. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for as much as 10% of the purchase price simply to get out of the home.

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

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

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