Home Mortgage For Physician Gilbert 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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Whether or not you are a first time home buyer or purchasing a new home in Gilbert Arizona, our vetted loan officers have a strong understanding of the local area real estate market and what it takes to secure your physician mortgage with proficiency and expertise.

Our loan officers in Gilbert Arizona offer specialized financing for doctors, just like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The main 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 lock in early career doctors by lending them more money with a lot fewer requirements than their competitions.

Physician Home Mortgage Experts In Gilbert Arizona

If you are searching for a physician home loan in Gilbert Arizona then you came to the right place.

You’ve worked very hard to become a doctor and purchasing 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 home loan!

A physician home loan is a special loan program designed just for doctors in the home buying process.

We recognize the personal financial demands of your student loan debt, and how important it is to maintain working capital for when the time is right with embarking upon your career. Whether 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 Gilbert Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or minimal to no work history.

Despite these factors smart financial institutions know that doctors are a good choice considering that they traditionally have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

Not all lenders offer this specialized product and within banks that do just simply consulting with the right mortgage loan officer makes an enormous difference.

Benefits of Physician Home Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

Suppose you have some money to put down or are considering waiting until you have the money?

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

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

Additionally, don’t forget that having equity in your home will definitely provide more security and flexibility, specifically if something unforeseen happens. With the 100% financed physician home mortgage loan, you ought to expect to start out under water. If something does not 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 home.

No matter if you’re moving down the road, across town or across the country, we are available to lend a hand you throughout the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Gilbert Arizona physician home mortgage program!

Less than an hour ago, doctors just like you requested a loan from the locations listed below.

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