Physician Loan In Kansas 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 or not you are a first time home buyer or purchasing a new home in Kansas City Missouri, our vetted loan officers have a strong understanding of the local area real estate industry and what it really requires to secure your physician home mortgage with competency and know-how.

Our loan officers in Kansas City Missouri provide exclusive financing for doctors, like you.

First off, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are very profitable customers for financial 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 far fewer terms than their competitions.

Physician Mortgage Experts In Kansas City Missouri

If you are trying to find a physician mortgage in Kansas City Missouri then you came to the perfect 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 home loan!

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

We understand the personal financial demands of your student loan liability, and how crucial it is to maintain working capital for when the time is right with starting your career. Regardless if you are a couple years into practice, or a well established doctor, you can depend on us to find a mortgage loan that is specially tailored for your needs.

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

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

Not all mortgage lenders offer this specialized product and within banks that do simply speaking with the right home loan officer makes a significant difference.

Benefits of Physician Home Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Often 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, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

What if you have some funds to put down or are considering waiting until you have the cash?

Our loan providers can do the math for you and show you what each scenario looks like and the benefits of each too.

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

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

No matter if you are relocating down the street, across town or across the country, we are here to work with you through the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Kansas City Missouri physician loan program!

Less than an hour ago, doctors just like you requested a loan from the locations listed below.

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