Physician Home Loan Flagstaff Arizona

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 Flagstaff Arizona, our vetted loan officers have a solid understanding of the local area real estate market and what it really requires to close your physician home loan with efficiency and know-how.

Our loan officers in Flagstaff Arizona offer exclusive financing for doctors, like you.

First and foremost, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are very profitable customers for lenders. 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 Flagstaff Arizona

If you are trying to find a physician home loan in Flagstaff Arizona then you came to the perfect place.

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

Yup, doctors get their own home loan!

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

We recognize the personal financial demands of your student loan liability, and how vital it is to preserve working capital for when the time is right with starting your career. Regardless if you are a couple years into practice, or a well established doctor, you can depend on us to find a mortgage loan that is specially tailored for your needs.

Many physicians in Flagstaff Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or minimal to no work history.

Despite these factors smart lenders know that doctors are a good choice considering that they generally have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banking institutions that do simply talking to the right home loan officer makes a remarkable difference.

Advantages of Physician Mortgage Loans

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

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

Should You Put Money Down?

What if you have some funds to put down or are looking at waiting until you have the cash?

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

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

Additionally, don’t forget that having equity in your home will likely provide more security and flexibility, especially if something unanticipated happens. With the 100% financed physician mortgage loan, you should anticipate to start out underwater. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially big check for up to 10% of the purchase price simply to get out of the home.

Whether you’re relocating down the street, across town or across the country, we are here to work with you throughout the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Flagstaff Arizona physician home loan program!

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