Physician Home Loan Program In Killeen Texas

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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Regardless if you are a first time home buyer or buying a new home in Killeen Texas, our vetted loan officers have a strong understanding of the local real estate industry and what it really requires to close your physician mortgage with proficiency and expertise.

Our loan officers in Killeen Texas offer special financing for doctors, exactly like you.

To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are really 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 secure early career doctors by loaning them more money with far fewer requirements than their competitors.

Physician Mortgage Experts In Killeen Texas

If you are trying to find a physician loan in Killeen Texas then you came to the perfect place.

You’ve worked 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 just for doctors?

Yup, doctors get their own loan!

A physician loan is a specialized loan program developed just for doctors in the home purchasing process.

We recognize the personal financial demands of your student loan financial obligation, and how essential it is to maintain working capital for when the time is right with embarking upon your career. No matter if you are a couple years into practice, or a well established doctor, you can rely on us to find a home loan that is specially tailored for your needs.

Quite a few physicians in Killeen Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or very little to no work history.

Despite these reasons smart lending institutions know that doctors are a good choice because they generally have an exceptionally low nonpayment rate on loans, high earning potential and stable jobs.

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

Benefits of Physician Home Loans

  • Usually does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Often does not require private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve an agreement as proof of future earnings, in lieu of pay stubs or W-2s, that 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 Cash Down?

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

Our lenders can do the math for you and show you what each situation 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 too.

Furthermore, don’t overlook that having equity in your home will definitely offer more security and flexibility, especially if something unanticipated happens. With the 100% financed physician home mortgage loan, you should anticipate to start out under water. If something doesn’t work out and you are forced to sell quickly, you should be prepared to write a potentially sizable check for up to 10% of the purchase price just to get out of the house.

Regardless of whether you’re relocating down the street, across town or across the country, we are available to help you all throughout the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Killeen Texas physician home loan program!

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

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