Physician Loan In Northglenn Colorado

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.

Regardless of whether our clients are a first time home buyer or purchasing a new home in Northglenn Colorado, our vetted loan officers have a solid understanding of the local real estate market and what it takes to close your physician loan with efficiency and expertise.

Our loan officers in Northglenn Colorado provide specialized financing for doctors, just like you.

To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are very 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 lock in early career doctors by lending them more money with a fewer number of requirements than their competitions.

Physician Loan Experts In Northglenn Colorado

If you are searching for a physician home loan in Northglenn Colorado then you came to the perfect place.

You’ve worked very hard to become a doctor and buying home really should not 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 just 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 understand the economic demands of your student loan financial obligation, and how important it is to preserve 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 doctor, you can depend on us to find a home loan that is specially tailored for your needs.

Quite a few doctors in Northglenn Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or minimal to no work history.

Despite these factors smart lending institutions know that doctors are a good bet considering that they typically have an incredibly low default rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banking institutions that do simply talking to the right home loan officer makes a significant difference.

Advantages of Physician Home Mortgage Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve a contract as documentation of future earnings, in lieu of pay stubs or W-2s, which 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 money to put down or are thinking about waiting until you have the funds?

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

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

Furthermore, don’t forget that having equity in your home will likely provide more security and overall flexibility, particularly if something unexpected happens. With the 100% financed physician home mortgage loan, you ought to anticipate to begin underwater. If something does not work out and you are forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price just to get out of the house.

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

Doctors, get the house of your dreams with our Northglenn Colorado physician home loan program!

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