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

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 you 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 area real estate market and what it requires to close your physician home mortgage with proficiency and expertise.

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

To start with, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are extremely profitable clients for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use physician home loans to secure early career doctors by loaning them more money with far fewer stipulations than their competitors.

Physician Home Mortgage Experts In Northglenn Colorado

If you are looking for a physician mortgage in Northglenn Colorado then you came to the right place.

You’ve worked 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 special loan program designed just for doctors in the home buying process.

We understand the budgetary demands of your student loan liability, and how essential it is to preserve working capital for when the time is right with embarking upon your career. Regardless if you are a couple years into practice, or a well established doctor, you can depend on us to find a mortgage loan that is exclusively tailored for your needs.

A large number of doctors in Northglenn Colorado 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 reasons smart lending institutions know that doctors are a good bet considering that they typically have an exceptionally low default rate on loans, high earning potential and stable jobs.

Not all lenders offer this specialized product and within banking institutions that do simply talking with the right mortgage officer makes an enormous difference.

Benefits of Physician Home Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • 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 approve a contract as proof 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 Cash Down?

Suppose you have some money to put down or are looking at delaying until you have the cash?

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

Additionally, don’t overlook that having equity in your house will likely offer greater security and overall flexibility, particularly if something unanticipated happens. With the 100% financed physician home mortgage loan, you ought to expect to begin under water. If something doesn’t work out and you are 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 house.

No matter if you are moving 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 home of your dreams with our Northglenn Colorado physician home mortgage program!

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