Physician Mortgage In Grand Junction 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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Whether or not our clients are a first time home buyer or purchasing a new home in Grand Junction Colorado, our vetted loan officers have a solid understanding of the local real estate industry and what it takes to secure your physician home loan with efficiency and expertise.

Our loan officers in Grand Junction Colorado provide special financing for doctors, just like you.

First, let’s talk about 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 secure early career doctors by loaning them more money with far fewer requirements than their competitions.

Physician Loan Experts In Grand Junction Colorado

If you are searching for a physician mortgage in Grand Junction Colorado then you came to the perfect place.

You’ve worked 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 loan!

A physician loan is a specialty loan program created just for doctors in the home buying process.

We are aware of the budgetary demands of your student loan financial obligation, 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 depend on us to find a mortgage loan that is specifically tailored for your needs.

A lot of doctors in Grand Junction Colorado 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 reasons smart loan providers know that doctors are a good choice due to the fact that they generally have an exceptionally 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 talking to the right mortgage officer makes a significant difference.

Benefits of Physician Home Mortgage Loans

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

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

Should You Put Money Down?

Suppose you have some cash to put down or are looking at delaying until you have the cash?

Our mortgage lenders can do the math for you and show you what each situation looks like and the benefits of each too.

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

Furthermore, don’t overlook that having equity in your house will definitely offer greater security and overall flexibility, specifically if something unforeseen happens. With the 100% financed physician mortgage loan, you ought to expect to start out underwater. If something doesn’t 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 simply to get out of the home.

Whether you are moving down the road, across town or across the country, we are right here to help you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Grand Junction Colorado physician home loan program!

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