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

Purchase Loans

  • 100% financing up to 750k
  • 95% LTV from 750k – 1.25mil
  • 90% LTV from 1.25 mil to 2 mil
  • Over 2 mil on a case by case basis

Available for Primary & Secondary Residences

  • Professional loan includes: physicians, dentists, attorneys, optometrists, veterinarians, and doctors of pharmacy
  • Available in 47 states
  • No mortgage insurance required
  • 15 and 30 year Fixed Rates available
  • Minimum credit score of 700 required
  • Maximum debt ratios and 3 months reserves apply
  • Close up to 60 days prior to start date with signed contract
  • Student loan payments deferred 12+ months are excluded
  • No limit on years out of training

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.

Get Your Physician Loan Rates Now by Completing the Form Below.

Whether or not our clients are a first time home buyer or purchasing a new home in Greeley Colorado, our vetted loan officers have a solid understanding of the local real estate industry and what it requires to close your physician home loan with proficiency and expertise.

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

First and foremost, 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 loaning them more money with a lot fewer stipulations than their competitions.

Physician Home Mortgage Experts In Greeley Colorado

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

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

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

We recognize the personal financial demands of your student loan liability, and how essential it is to preserve 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 rely on us to find a home loan that is exclusively tailored for your needs.

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

Despite these factors smart lending institutions know that doctors are a good bet because they typically have an extremely low default rate on loans, high earning potential and secure jobs.

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

Advantages of Physician Mortgage Loans

  • Usually does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not require private mortgage insurance (PMI), even when 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.

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

Should You Put Money Down?

Suppose you have some money to put down or are thinking about waiting until you have the funds?

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 home mortgage paid off earlier and save thousands of dollars on interest too.

Additionally, don’t overlook that having equity in your house will likely offer more security and overall flexibility, specifically if something unplanned happens. With the 100% financed physician mortgage loan, you should anticipate to start out under water. If something does not work out and you are 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 home.

No matter if you are relocating down the road, across town or across the country, we are available to help you through the physician home mortgage process:: because you deserve it!

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

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