Physician Home Loan Program In Columbia 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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Regardless if our clients are a first time home buyer or buying a new home in Columbia Missouri, our vetted loan officers have a solid understanding of the local real estate market and what it takes to secure your physician home loan with competency and know-how.

Our loan officers in Columbia Missouri offer special financing for doctors, exactly like you.

First, let’s talk about 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 lock in early career doctors by lending them more money with a lot fewer requirements than their competitions.

Physician Loan Experts In Columbia Missouri

If you are trying to find a physician loan in Columbia Missouri then you came to the right place.

You’ve worked very hard to become a doctor and buying home should not 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 specifically for doctors?

Yup, doctors get their own home loan!

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

We recognize the personal financial demands of your student loan debt, and how important it is to preserve 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 depend on us to find a home loan that is specially tailored for your needs.

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

Despite these reasons smart lenders know that doctors are a good choice because they traditionally have an exceptionally low nonpayment rate on loans, high earning potential and secure jobs.

Not all banks offer this specialized product and within banking institutions that do simply consulting with the right mortgage officer makes a tremendous difference.

Benefits of Physician Home Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • 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 accept an agreement as proof of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

Purchasing a house doesn’t have to empty your savings and the process doesn’t need 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 money?

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

In most cases, you’ll get your mortgage paid off sooner and save thousands on interest too.

Furthermore, don’t forget that having equity in your home will offer more security and flexibility, particularly if something unanticipated happens. With the 100% financed physician mortgage loan, you should expect to begin under water. If something does not work out and you’re 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 house.

Regardless of whether you’re moving down the road, across town or across the country, we are available to assist you all throughout the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Columbia Missouri physician loan program!

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