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

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.

Regardless of whether you are a first time home buyer or purchasing a new home in Centennial Colorado, our vetted loan officers have a strong understanding of the local real estate market and what it really takes to close your physician mortgage with competency and know-how.

Our loan officers in Centennial Colorado provide special 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 really profitable customers 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 fewer number of requirements than their competitors.

Physician Loan Experts In Centennial Colorado

If you are trying to find a physician loan in Centennial Colorado then you came to the perfect place.

You’ve worked very hard to become a doctor and buying 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 loan!

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

We are aware of the budgetary demands of your student loan liability, and how important it is to preserve 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 mortgage loan that is specifically tailored for your needs.

A large number of physicians in Centennial 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 financial institutions know that doctors are a good bet because they generally have an incredibly low default rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banks that do just simply consulting with the right home loan officer makes a tremendous difference.

Benefits of Physician Mortgage Loans

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

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

Should You Put Money Down?

What if you have some funds to put down or are thinking about delaying until you have the funds?

Our loan providers can do the math for you and show you what each scenario looks like and the benefits of each too.

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

Additionally, don’t forget that having equity in your home will likely provide more security and flexibility, particularly if something unforeseen happens. With the 100% financed physician mortgage loan, you should expect to start out underwater. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially big check for as much as 10% of the purchase price simply to get out of the home.

No matter if you’re moving down the road, across town or across the country, we are right here to assist you through the physician home mortgage process:: because you deserve it!

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

Less than an hour ago, doctors just like you requested a loan from the locations listed below.

  • Home Mortgage For Physicians In
  • Physician Loan Montana
  • Home Mortgage For Physician Sacramento California
  • Home Mortgage For Physician Coon Rapids Minnesota
  • Physician Home Loan Program Fort Wayne Indiana
  • Physician Home Loan Novi Michigan
  • Physician Loan South Carolina
  • Physician Mortgage Glendale Arizona
  • Physician Mortgage In Tampa Florida
  • Physician Loan In Auburn Washington