Physician Home Loan Fort Worth 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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Whether or not our clients are a first time home buyer or buying a new home in Fort Worth Texas, our vetted loan officers have a strong understanding of the local area real estate industry and what it really requires to close your physician home mortgage with competency and know-how.

Our loan officers in Fort Worth Texas offer exclusive financing for doctors, like you.

First off, let’s talk about why physician mortgage loans even exist. The reason is that doctors are very 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 loaning them more money with a lot fewer stipulations than their competitions.

Physician Loan Experts In Fort Worth Texas

If you are looking for a physician mortgage in Fort Worth Texas then you came to the right place.

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

Yup, doctors get their own mortgage!

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

We understand the financial demands of your student loan liability, and how essential it is to preserve 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 count on us to find a home loan that is specifically tailored for your needs.

Quite a few doctors in Fort Worth Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or little to no work history.

Despite these factors smart lending institutions know that doctors are a good choice considering that they traditionally have an incredibly 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 speaking with the right mortgage loan officer makes an enormous difference.

Benefits of Physician Home Loans

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

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

Should You Put Money Down?

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

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

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

Whether you are moving down the street, across town or across the country, we are available to work with you all throughout the physician home loan process:: because you deserve it!

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

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