Physician Home Loan Program Corpus Christi Texas

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 of whether you are a first time home buyer or purchasing a new home in Corpus Christi Texas, our vetted loan officers have a strong understanding of the local real estate market and what it requires to close your physician home loan with proficiency and know-how.

Our loan officers in Corpus Christi Texas provide exclusive financing for doctors, exactly like you.

First off, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are extremely profitable customers for financial 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 a lot fewer terms than their competitions.

Physician Loan Experts In Corpus Christi Texas

If you are searching for a physician loan in Corpus Christi Texas then you came to the right place.

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

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

We are aware of the personal financial demands of your student loan financial debt, and how important 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 rely on us to find a home loan that is exclusively tailored for your needs.

A large number of doctors in Corpus Christi Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or minimal to no work history.

Despite these reasons smart lending institutions know that doctors are a good bet considering that they typically have an exceptionally low nonpayment rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do just simply talking to the best home loan officer makes a significant difference.

Advantages of Physician Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Usually does not require private mortgage insurance (PMI), despite the fact that 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.

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

Should You Put Cash Down?

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

Our mortgage 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 earlier and save thousands on interest rates too.

Furthermore, don’t overlook that having equity in your house will likely offer more security and flexibility, specifically if something unexpected happens. With the 100% financed physician mortgage loan, you ought to anticipate to begin underwater. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially big check for as much as 10% of the purchase price simply to get out of the home.

Regardless of whether you are moving down the road, across town or across the country, we are here to help you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Corpus Christi Texas physician home loan program!

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