Physician Mortgage In Dallas 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 buying a new home in Dallas Texas, our vetted loan officers have a solid understanding of the local real estate industry and what it really takes to secure your physician mortgage with proficiency and expertise.

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

First, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are very 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 lock in early career doctors by lending them more money with a lot fewer stipulations than their competitors.

Physician Mortgage Experts In Dallas Texas

If you are trying to find a physician mortgage in Dallas Texas then you came to the perfect place.

You’ve trained very hard to become a doctor and purchasing home shouldn’t be nearly as challenging.

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 personal financial demands of your student loan liability, and how important it is to preserve working capital for when the time is right with launching your career. No matter if you are a couple years into practice, or a well established doctor, you can count on us to find a mortgage loan that is specially tailored for your needs.

Quite a few physicians in Dallas Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or very little to no work history.

Despite these factors smart lending institutions know that doctors are a good choice due to the fact that they traditionally have an extremely low default rate on loans, high earning potential and stable jobs.

Not all lenders offer this specialized product and within banking institutions that do simply talking with the best 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).
  • Generally does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve 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 need to drain 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 funds?

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

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

Additionally, don’t forget that having equity in your home will definitely offer more security and overall flexibility, particularly if something unforeseen happens. With the 100% financed physician home mortgage loan, you should anticipate to begin under water. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially large check for up to 10% of the purchase price just to get out of the house.

No matter if you are moving down the road, across town or across the country, we are right here to assist you through the physician home mortgage process:: because you deserve it!

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

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