Physician Mortgage In Chesterfield Missouri

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 Chesterfield Missouri, our vetted loan officers have a strong understanding of the local area real estate market and what it requires to close your physician home mortgage with efficiency and know-how.

Our loan officers in Chesterfield Missouri 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 extremely 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 secure early career doctors by lending them more money with far fewer stipulations than their competitions.

Physician Loan Experts In Chesterfield Missouri

If you are trying to find a physician home loan in Chesterfield Missouri then you came to the perfect place.

You’ve trained very hard to become a doctor and purchasing home shouldn’t 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 loan!

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

We are aware of the personal financial demands of your student loan financial obligation, and how vital it is to preserve working capital for when the time is right with embarking upon your career. Whether or not 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.

Many physicians in Chesterfield Missouri may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or very little to no work history.

Despite these factors smart lenders know that doctors are a good choice due to the fact that they typically have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banks that do just simply talking to the right home loan officer makes a tremendous difference.

Advantages of Physician Home Loans

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

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

Should You Put Money Down?

Suppose you have some cash to put down or are looking at 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 situations, you’ll get your mortgage paid off sooner and save thousands on interest rates too.

Furthermore, don’t forget that having equity in your house will most likely provide more security and flexibility, specifically if something unexpected happens. With the 100% financed physician mortgage loan, you ought to expect to start out under water. 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 up to 10% of the purchase price just to get out of the house.

No matter if you are relocating down the road, across town or across the country, we are here to lend a hand you throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Chesterfield Missouri physician home mortgage program!

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

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