Physician Mortgage Longmont 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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Whether our clients are a first time home buyer or purchasing a new home in Longmont Colorado, our vetted loan officers have a solid understanding of the local area real estate market and what it takes to close your physician home loan with competency and expertise.

Our loan officers in Longmont Colorado provide specialized financing for doctors, exactly like you.

First off, let’s discuss why physician mortgage loans even exist. The main 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 loaning them more money with a fewer number of terms than their competitors.

Physician Mortgage Experts In Longmont Colorado

If you are searching for a physician loan in Longmont Colorado then you came to the perfect place.

You’ve trained very hard to become a doctor and buying home should not 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 mortgage!

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

We understand the personal financial demands of your student loan financial debt, and how vital it is to maintain working capital for when the time is right with starting your career. Whether 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.

Quite a few doctors in Longmont Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or minimal to no work history.

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

Not all banks offer this specialized product and within banking institutions that do just simply talking with the right mortgage loan officer makes an enormous difference.

Benefits of Physician Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Usually does not call for private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept a contract 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 empty your savings and the process doesn’t have to drain your time.

Should You Put Money Down?

Suppose you have some funds to put down or are looking at delaying until you have the money?

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

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

Additionally, don’t overlook that having equity in your home will most likely provide greater security and flexibility, particularly if something unanticipated happens. With the 100% financed physician home mortgage loan, you should anticipate to begin 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 simply to get out of the home.

Regardless of whether you’re relocating down the road, across town or across the country, we are here to help you through the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Longmont Colorado physician loan program!

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