Physician Home Loan Florissant Missouri

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.

Whether you are a first time home buyer or buying a new home in Florissant Missouri, our vetted loan officers have a strong understanding of the local real estate industry and what it takes to secure your physician home loan with efficiency and expertise.

Our loan officers in Florissant Missouri offer special financing for doctors, like you.

First, let’s talk about why physician mortgage loans even exist. The reason is that doctors are very profitable clients 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 lending them more money with fewer stipulations than their competitors.

Physician Mortgage Experts In Florissant Missouri

If you are trying to find a physician mortgage in Florissant Missouri then you came to the right place.

You’ve trained very hard to become a doctor and purchasing 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 specifically for doctors?

Yup, doctors get their own loan!

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

We recognize the personal financial demands of your student loan financial debt, and how essential it is to maintain working capital for when the time is right with starting your career. No matter 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 exclusively tailored for your needs.

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

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

Not all banks offer this specialized product and within banks that do just simply consulting with the right mortgage officer makes a significant difference.

Advantages of Physician Home Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

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

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

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

Furthermore, don’t overlook that having equity in your house will definitely provide more security and overall flexibility, particularly if something unplanned happens. With the 100% financed physician mortgage loan, you ought to expect to start out underwater. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the house.

Regardless of whether you’re relocating down the street, across town or across the country, we are available to help you all throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Florissant Missouri physician home loan program!

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