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

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 our clients 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 area real estate market and what it requires to close your physician home mortgage with proficiency and expertise.

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

First and foremost, let’s talk about why physician mortgage loans even exist. The 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 lending them more money with a fewer number of requirements than their competitions.

Physician Loan Experts In Corpus Christi Texas

If you are trying to find a physician mortgage loan in Corpus Christi Texas 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 just for doctors?

Yup, doctors get their own loan!

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

We are aware of the budgetary demands of your student loan debt, and how essential 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 count on us to find a mortgage loan that is specifically tailored for your needs.

A lot of physicians in Corpus Christi Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or very little to no work history.

Despite these reasons smart loan providers know that doctors are a good bet considering that they historically have an exceptionally low nonpayment rate on loans, high earning potential and stable jobs.

Not all lenders offer this specialized product and within banking institutions that do just simply talking to the right mortgage loan officer makes an enormous difference.

Benefits of Physician Mortgage Loans

  • Typically 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 call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve a contract as evidence of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

What if you have some funds to put down or are considering delaying until you have the cash?

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

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

Furthermore, don’t overlook that having equity in your home will provide greater security and overall flexibility, especially if something unexpected happens. With the 100% financed physician mortgage loan, you should anticipate to begin underwater. If something does not 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 simply to get out of the house.

Whether you are moving down the road, across town or across the country, we are here to help you through the physician home loan process:: because you deserve it!

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

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