Physician Home Loan Program In Garland 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 Garland Texas, our vetted loan officers have a solid understanding of the local real estate market and what it requires to close your physician loan with efficiency and expertise.

Our loan officers in Garland Texas provide exclusive financing for doctors, just like you.

To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely profitable clients for lending 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 loaning them more money with fewer terms than their competitions.

Physician Mortgage Experts In Garland Texas

If you are looking for a physician home loan in Garland Texas then you came to the right place.

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

Yup, doctors get their own mortgage!

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

We recognize the budgetary demands of your student loan financial debt, and how vital 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 depend on us to find a home loan that is exclusively tailored for your needs.

Quite a few physicians in Garland Texas 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 financial institutions know that doctors are a good choice considering that they typically have an incredibly low nonpayment rate on loans, high earning potential and stable 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 tremendous difference.

Benefits of Physician Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not necessitate private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve an agreement as documentation of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

Purchasing a home 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 funds to put down or are considering delaying until you have the cash?

Our loan providers 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 mortgage loan paid off sooner and save thousands on interest rates too.

Additionally, don’t overlook that having equity in your house will offer greater security and overall flexibility, particularly if something unplanned happens. With the 100% financed physician home mortgage loan, you ought to expect to begin underwater. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially sizable check for as much as 10% of the purchase price just to get out of the house.

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

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

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