Home Mortgage For Physician Independence Missouri

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.

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

Regardless of whether our clients are a first time home buyer or purchasing a new home in Independence Missouri, our vetted loan officers have a solid understanding of the local real estate industry and what it takes to close your physician loan with competency and expertise.

Our loan officers in Independence Missouri 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 really profitable clients 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 lending them more money with fewer terms than their competitions.

Physician Mortgage Experts In Independence Missouri

If you are trying to find a physician loan in Independence Missouri then you came to the right place.

You’ve trained very hard to become a doctor and buying 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 specifically for doctors?

Yup, doctors get their own home loan!

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

We recognize the economic demands of your student loan liability, and how crucial 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 exclusively tailored for your needs.

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

Despite these reasons smart loan providers know that doctors are a good choice considering that they traditionally have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

Not all banks offer this specialized product and within banks that do simply talking with the best mortgage loan officer makes a significant difference.

Advantages of Physician Home Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), even if 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.

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

Should You Put Cash Down?

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

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

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

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

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

Doctors, get the home of your dreams with our Independence Missouri physician home mortgage program!

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