Physician Home Loan Program In Greeley 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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Regardless if our clients are a first time home buyer or buying a new home in Greeley Colorado, our vetted loan officers have a strong understanding of the local real estate market and what it really takes to secure your physician home loan with competency and expertise.

Our loan officers in Greeley Colorado provide special financing for doctors, exactly like you.

First, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are really profitable clients for lenders. 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 a fewer number of terms than their competitors.

Physician Home Loan Experts In Greeley Colorado

If you are looking for a physician mortgage loan in Greeley Colorado then you came to the right place.

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

Yup, doctors get their own mortgage!

A physician home mortgage is a specialized loan program put together just for doctors in the home purchasing process.

We are aware of the budgetary demands of your student loan liability, and how vital it is to maintain 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 rely on us to find a home loan that is specifically tailored for your needs.

A large number of physicians in Greeley Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or very little to no work history.

Despite these factors smart loan providers know that doctors are a good choice considering that they typically have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do just simply talking with the right mortgage loan officer makes a remarkable difference.

Advantages of Physician Mortgage Loans

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

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

Should You Put Money Down?

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

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

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

Additionally, don’t forget that having equity in your house will definitely provide more security and overall flexibility, especially if something unplanned happens. With the 100% financed physician mortgage loan, you should expect to start out underwater. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially big check for as much as 10% of the purchase price simply to get out of the house.

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

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

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