Physician Home Loan Program Joplin 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 Joplin Missouri, our vetted loan officers have a solid understanding of the local area real estate industry and what it really takes to close your physician loan with competency and expertise.

Our loan officers in Joplin Missouri offer exclusive financing for doctors, exactly like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The reason is that doctors are extremely 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 lock in early career doctors by lending them more money with a fewer number of requirements than their competitions.

Physician Home Mortgage Experts In Joplin Missouri

If you are looking for a physician mortgage loan in Joplin Missouri then you came to the right 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 just for doctors?

Yup, doctors get their own loan!

A physician loan is a special loan program made just for doctors in the home buying process.

We are aware of the budgetary demands of your student loan debt, and how essential it is to maintain working capital for when the time is right with launching your career. Whether or not you are a couple years into practice, or a well established doctor, you can depend on us to find a home loan that is specifically tailored for your needs.

Quite a few doctors in Joplin 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 factors smart loan providers know that doctors are a good bet because they typically have an extremely low nonpayment rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do simply speaking with the best mortgage loan officer makes a tremendous difference.

Benefits of Physician Home Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve an agreement as evidence of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

What if you have some money to put down or are thinking about delaying 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 cases, you’ll get your home loan paid off sooner and save thousands on interest too.

Furthermore, don’t overlook that having equity in your house will most likely offer more security and overall flexibility, specifically if something unforeseen happens. With the 100% financed physician mortgage loan, you ought to expect to start out under water. 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 up to 10% of the purchase price simply to get out of the home.

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

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

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