Home Mortgage For Physicians In Fort Collins Colorado

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 you are a first time home buyer or buying a new home in Fort Collins Colorado, 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 efficiency and know-how.

Our loan officers in Fort Collins Colorado offer exclusive financing for doctors, just like you.

First, 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 secure early career doctors by lending them more money with fewer stipulations than their competitions.

Physician Loan Experts In Fort Collins Colorado

If you are trying to find a physician home loan in Fort Collins Colorado then you came to the perfect place.

You’ve worked 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 just for doctors?

Yup, doctors get their own mortgage!

A physician loan is a customized loan program put together just for doctors in the home buying process.

We recognize the personal financial demands of your student loan liability, and how crucial it is to preserve working capital for when the time is right with launching 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 mortgage loan that is specifically tailored for your needs.

A lot of physicians in Fort Collins Colorado 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 lenders know that doctors are a good choice considering that they historically have an exceptionally low default rate on loans, high earning potential and stable jobs.

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

Benefits of Physician Home Mortgage Loans

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

Purchasing a house doesn’t have to empty 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 looking at delaying until you have the funds?

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

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

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

Whether you’re moving down the street, across town or across the country, we are available to assist you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Fort Collins Colorado physician home mortgage program!

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