Physician Loan Nebraska

Preferred Physician Loan Officer

Doug Crouse
NMLS# 363861
Mobile: (816) 728-3631
Email: doug.crouse@umb.com
Website: www.DoctorLoanExpert.com

Purchase Loans

  • 100% financing up to 750k
  • 95% LTV from 750k – 1.25mil
  • 90% LTV from 1.25 mil to 2 mil
  • Over 2 mil on a case by case basis

Available for Primary & Secondary Residences

  • Professional loan includes: physicians, dentists, attorneys, optometrists, veterinarians, and doctors of pharmacy
  • Available in 47 states
  • No mortgage insurance required
  • 15 and 30 year Fixed Rates available
  • Minimum credit score of 700 required
  • Maximum debt ratios and 3 months reserves apply
  • Close up to 60 days prior to start date with signed contract
  • Student loan payments deferred 12+ months are excluded
  • No limit on years out of training

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 or not our clients are a first time home buyer or buying a new home in Nebraska, our vetted loan officers have a strong understanding of the local real estate market and what it really requires to secure your physician home loan with efficiency and expertise.

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

First and foremost, let’s discuss why physician mortgage loans even exist. The reason is that doctors are really profitable customers for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use doctor loans to lock in early career doctors by loaning them more money with fewer requirements than their competitors.

Physician Mortgage Experts In Nebraska

If you are trying to find a physician mortgage loan in Nebraska then you came to the right place.

You’ve trained very hard to become a doctor and buying home should not be nearly as difficult.

Did you know there is a special loan that makes it easy for physicians to buy a home?

A home loan just for doctors?

Yup, doctors get their own loan!

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

We are aware of the economic demands of your student loan financial debt, and how essential it is to maintain working capital for when the time is right with launching your career. Whether or not you are a couple years into practice, or a well established physician, you can rely on us to find a mortgage loan that is specifically tailored for your needs.

A lot of physicians in Nebraska may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or little to no work history.

Despite these reasons smart loan providers know that doctors are a good bet due to the fact that they historically 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 best home loan officer makes a tremendous difference.

Benefits of Physician Home Mortgage Loans

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

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

Should You Put Money Down?

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

Our loan providers 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 sooner and save thousands on interest too.

Furthermore, don’t forget that having equity in your house will definitely provide more security and overall flexibility, especially if something unexpected happens. With the 100% financed physician home 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 need to be prepared to write a potentially big check for up to 10% of the purchase price simply to get out of the home.

No matter if you are relocating down the road, across town or across the country, we are available to lend a hand you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Nebraska physician home mortgage program!

Top cities in Nebraska for a physician loan.