Physician Mortgage Jefferson City 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.

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Whether our clients are a first time home buyer or purchasing a new home in Jefferson City Missouri, our vetted loan officers have a strong understanding of the local area real estate industry and what it takes to secure your physician mortgage with competency and know-how.

Our loan officers in Jefferson City Missouri offer specialized financing for doctors, 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 lock in early career doctors by loaning them more money with fewer requirements than their competitors.

Physician Mortgage Experts In Jefferson City Missouri

If you are searching for a physician loan in Jefferson City Missouri then you came to the perfect place.

You’ve worked very hard to become a doctor and purchasing home should not 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 loan!

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

We recognize the financial demands of your student loan financial obligation, and how essential it is to preserve working capital for when the time is right with launching your career. Regardless if you are a couple years into practice, or a well established doctor, you can count on us to find a home loan that is specifically tailored for your needs.

Many physicians in Jefferson City Missouri 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 lenders know that doctors are a good choice due to the fact that they typically have an incredibly low default rate on loans, high earning potential and stable jobs.

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

Benefits of Physician Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Usually does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, instead 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 need to drain your time.

Should You Put Money Down?

Suppose you have some funds to put down or are thinking about 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 advantages of each too.

In most instances, you’ll get your mortgage loan paid off sooner and save thousands on interest too.

Additionally, don’t overlook that having equity in your home will definitely offer greater security and overall flexibility, specifically if something unplanned happens. With the 100% financed physician home mortgage loan, you should anticipate to start out under water. 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 up to 10% of the purchase price just to get out of the home.

Regardless of whether you are relocating down the road, across town or across the country, we are here to help you through the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Jefferson City Missouri physician home loan program!

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