Physician Mortgage In Mesa 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 of whether our clients are a first time home buyer or buying a new home in Mesa Arizona, our vetted loan officers have a strong understanding of the local real estate industry and what it really requires to secure your physician home loan with proficiency and know-how.

Our loan officers in Mesa Arizona provide specialized financing for doctors, exactly like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are really profitable customers 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 requirements than their competitions.

Physician Loan Experts In Mesa Arizona

If you are looking for a physician loan in Mesa Arizona then you came to the perfect place.

You’ve trained very hard to become a doctor and buying home shouldn’t 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 specifically for doctors?

Yup, doctors get their own mortgage!

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

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

Quite a few doctors in Mesa Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or very little to no work history.

Despite these reasons smart financial institutions know that doctors are a good bet considering that they historically have an incredibly low default rate on loans, high earning potential and stable jobs.

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

Benefits of Physician Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Typically does not require private mortgage insurance (PMI), even if 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 house 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 looking at waiting until you have the funds?

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

In most circumstances, you’ll get your mortgage paid off sooner and save thousands of dollars on interest too.

Furthermore, don’t overlook that having equity in your home will most likely offer greater security and flexibility, particularly if something unanticipated happens. With the 100% financed physician home mortgage loan, you ought to anticipate to start out underwater. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the house.

Whether you are 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 Mesa Arizona physician loan program!

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