Physician Loan In Lake Havasu City Arizona

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 our clients are a first time home buyer or purchasing a new home in Lake Havasu City Arizona, our vetted loan officers have a strong understanding of the local real estate market and what it requires to close your physician mortgage with efficiency and know-how.

Our loan officers in Lake Havasu City Arizona offer exclusive financing for doctors, just like you.

To start with, let’s talk about why physician mortgage loans even exist. The main 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 secure early career doctors by loaning them more money with fewer terms than their competitions.

Physician Home Loan Experts In Lake Havasu City Arizona

If you are looking for a physician mortgage in Lake Havasu City Arizona then you came to the right place.

You’ve trained very hard to become a doctor and buying home really 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 only for doctors?

Yup, doctors get their own home loan!

A physician mortgage is a specialty loan program developed just for doctors in the home buying process.

We are aware of the budgetary demands of your student loan financial debt, and how crucial it is to maintain working capital for when the time is right with starting 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 mortgage loan that is exclusively tailored for your needs.

A large number of doctors in Lake Havasu City Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or little to no work history.

Despite these factors smart lenders know that doctors are a good choice because they traditionally have an extremely low default rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do just 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 low to no down payment (0-5 percent).
  • Generally does not require private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept 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 need to drain your time.

Should You Put Cash Down?

Suppose you have some funds to put down or are considering waiting until you have the funds?

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

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

Additionally, don’t forget that having equity in your house will likely offer greater security and flexibility, particularly if something unanticipated happens. With the 100% financed physician mortgage loan, you ought to anticipate to begin under water. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially big check for as much as 10% of the purchase price just to get out of the house.

Whether you are relocating down the street, across town or across the country, we are here to help you throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Lake Havasu City Arizona physician loan program!

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