Physician Home Loan Lakewood Colorado

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 Lakewood Colorado, our vetted loan officers have a strong understanding of the local real estate market and what it takes to secure your physician home loan with proficiency and know-how.

Our loan officers in Lakewood Colorado offer special financing for doctors, just 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 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 lending them more money with a fewer number of stipulations than their competitors.

Physician Mortgage Experts In Lakewood Colorado

If you are trying to find a physician mortgage in Lakewood Colorado then you came to the right place.

You’ve trained very hard to become a doctor and purchasing 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 mortgage!

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

We understand the economic demands of your student loan liability, and how important it is to maintain working capital for when the time is right with embarking upon your career. Whether or not 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.

A large number of physicians in Lakewood Colorado 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 loan providers know that doctors are a good choice because they typically have an incredibly low default rate on loans, high earning potential and secure jobs.

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

Benefits of Physician Mortgage 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).
  • Typically does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve a contract as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Purchasing a house doesn’t need 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 waiting until you have the money?

Our loan providers 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 mortgage paid off sooner and save thousands on interest rates too.

Additionally, don’t overlook that having equity in your house will offer more security and flexibility, especially if something unanticipated happens. With the 100% financed physician home mortgage loan, you should anticipate to begin underwater. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for up to 10% of the purchase price simply to get out of the home.

No matter if you are relocating down the road, across town or across the country, we are available to assist you all throughout the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Lakewood Colorado physician loan program!

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

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