Physician Home Loan Program Commerce City 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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Regardless if our clients are a first time home buyer or purchasing a new home in Commerce City Colorado, our vetted loan officers have a strong understanding of the local area real estate market and what it really requires to close your physician home loan with efficiency and expertise.

Our loan officers in Commerce City Colorado provide special 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 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 secure early career doctors by loaning them more money with a lot fewer requirements than their competitors.

Physician Mortgage Experts In Commerce City Colorado

If you are searching for a physician mortgage in Commerce City Colorado then you came to the perfect place.

You’ve worked 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 mortgage is a customized loan program developed just for doctors in the home buying process.

We are aware of the personal financial demands of your student loan debt, and how important it is to maintain working capital for when the time is right with starting your career. Whether you are a couple years into practice, or a well established doctor, you can depend on us to find a home loan that is exclusively tailored for your needs.

Quite a few doctors in Commerce City Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or minimal to no work history.

Despite these reasons smart loan providers 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 banks offer this specialized product and within banking institutions that do simply speaking to the best mortgage officer makes a remarkable difference.

Advantages of Physician Mortgage Loans

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

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

Should You Put Cash Down?

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

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

Additionally, don’t overlook that having equity in your house will offer more security and overall flexibility, especially if something unforeseen happens. With the 100% financed physician home mortgage loan, you ought to anticipate 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 large check for up to 10% of the purchase price just to get out of the home.

No matter if you are 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 home of your dreams with our Commerce City Colorado physician home mortgage program!

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