Physician Home Loan Midwest City Oklahoma

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.

Get Your Physician Loan Rates Now by Completing the Form Below.

Whether you are a first time home buyer or purchasing a new home in Midwest City Oklahoma, our vetted loan officers have a strong understanding of the local area real estate market and what it takes to close your physician loan with competency and expertise.

Our loan officers in Midwest City Oklahoma provide specialized financing for doctors, like you.

First, let’s discuss why physician mortgage loans even exist. The reason is that doctors are really 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 lock in early career doctors by loaning them more money with far fewer requirements than their competitions.

Physician Loan Experts In Midwest City Oklahoma

If you are looking for a physician home loan in Midwest City Oklahoma then you came to the perfect place.

You’ve worked very hard to become a doctor and purchasing 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 specifically for doctors?

Yup, doctors get their own home loan!

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

We recognize the budgetary demands of your student loan debt, and how vital it is to maintain working capital for when the time is right with launching your career. Regardless if you are a couple years into practice, or a well established doctor, you can count on us to find a mortgage loan that is specifically tailored for your needs.

Quite a few physicians in Midwest City Oklahoma may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or little to no work history.

Despite these factors smart loan providers know that doctors are a good bet because they historically have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

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

Advantages of Physician Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

Purchasing a house doesn’t have to drain 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 thinking about waiting until you have the cash?

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 home mortgage paid off earlier and save thousands on interest rates too.

Additionally, don’t overlook that having equity in your house will provide more security and flexibility, especially if something unexpected happens. With the 100% financed physician mortgage loan, you ought to expect to start out underwater. If something doesn’t 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 just to get out of the house.

Whether you are relocating down the road, across town or across the country, we are right here to work with you through the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Midwest City Oklahoma physician home mortgage program!

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