Home Mortgage For Physician Moore 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.

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Whether our clients are a first time home buyer or purchasing a new home in Moore Oklahoma, our vetted loan officers have a solid understanding of the local real estate industry and what it takes to close your physician loan with proficiency and know-how.

Our loan officers in Moore Oklahoma offer exclusive financing for doctors, like you.

To start with, 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 lending them more money with a lot fewer requirements than their competitions.

Physician Mortgage Experts In Moore Oklahoma

If you are looking for a physician loan in Moore Oklahoma 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 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 loan!

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

We recognize the economic demands of your student loan financial obligation, and how vital 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 mortgage loan that is specifically tailored for your needs.

Quite a few physicians in Moore Oklahoma 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 lenders know that doctors are a good choice due to the fact that they historically have an extremely low default rate on loans, high earning potential and secure jobs.

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

Advantages of Physician Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve an agreement as proof of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Purchasing a house doesn’t have to empty your savings and the process doesn’t need to drain your time.

Should You Put Cash Down?

Suppose you have some money to put down or are thinking about waiting until you have the money?

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

In most cases, you’ll get your home loan paid off earlier and save thousands on interest rates too.

Furthermore, don’t forget that having equity in your house will most likely provide greater security and overall flexibility, particularly if something unplanned happens. With the 100% financed physician mortgage loan, you ought to expect to start out under water. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the home.

Whether you are moving 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 Moore Oklahoma physician home loan program!

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