Physician Mortgage Muskogee 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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Regardless if our clients are a first time home buyer or buying a new home in Muskogee Oklahoma, our vetted loan officers have a strong understanding of the local area real estate market and what it requires to secure your physician loan with efficiency and expertise.

Our loan officers in Muskogee Oklahoma offer specialized financing for doctors, exactly like you.

First, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely 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 fewer requirements than their competitions.

Physician Loan Experts In Muskogee Oklahoma

If you are trying to find a physician mortgage in Muskogee Oklahoma then you came to the perfect place.

You’ve trained very hard to become a doctor and purchasing 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 only for doctors?

Yup, doctors get their own mortgage!

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

We are aware of the budgetary demands of your student loan liability, and how crucial it is to preserve 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 count on us to find a mortgage loan that is specially tailored for your needs.

A lot of physicians in Muskogee Oklahoma 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 factors smart loan providers know that doctors are a good choice because they traditionally have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all banks offer this specialized product and within banks that do simply talking to the right mortgage officer makes an enormous difference.

Advantages of Physician Home Loans

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

Buying a house doesn’t have to drain your savings and the process doesn’t have to drain your time.

Should You Put Cash Down?

What if you have some funds to put down or are considering delaying until you have the funds?

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

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

No matter if you’re relocating down the road, across town or across the country, we are right here to help you all throughout the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Muskogee Oklahoma physician loan program!

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