Physician Mortgage Glendale 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 buying a new home in Glendale 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 efficiency and expertise.

Our loan officers in Glendale Arizona offer exclusive financing for doctors, like you.

First, let’s talk about why physician mortgage loans even exist. The reason is that doctors are very profitable customers for financial 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 far fewer requirements than their competitors.

Physician Home Loan Experts In Glendale Arizona

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

You’ve trained 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 mortgage is a specialty loan program developed just for doctors in the home buying process.

We are aware of the personal financial demands of your student loan financial obligation, and how essential it is to maintain working capital for when the time is right with launching 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 exclusively tailored for your needs.

Quite a few physicians in Glendale Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or minimal to no work history.

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

Not all financial institutions offer this specialized product and within banking institutions that do just simply talking with the best mortgage officer makes an enormous difference.

Benefits of Physician Mortgage Loans

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

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

Should You Put Cash Down?

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

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

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

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

No matter if you are moving down the road, across town or across the country, we are right here to work with you through the physician home mortgage process:: because you deserve it!

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

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