Physician Loan In Oklahoma City 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 of whether our clients are a first time home buyer or purchasing a new home in Oklahoma City Oklahoma, our vetted loan officers have a solid understanding of the local area real estate market and what it really requires to secure your physician mortgage with proficiency and expertise.

Our loan officers in Oklahoma City Oklahoma provide exclusive financing for doctors, just like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are very 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 lending them more money with a lot fewer requirements than their competitors.

Physician Home Mortgage Experts In Oklahoma City Oklahoma

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

You’ve worked 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 doctors to buy a home?

A home loan just for doctors?

Yup, doctors get their own loan!

A physician loan is a specialty loan program developed just for doctors in the home buying process.

We understand the economic demands of your student loan financial debt, and how important it is to maintain working capital for when the time is right with starting your career. No matter if 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.

Quite a few physicians in Oklahoma City 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 factors smart lending institutions know that doctors are a good choice considering that they typically have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banks that do just simply talking with the best mortgage loan officer makes a tremendous difference.

Benefits of Physician Home Mortgage Loans

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

Purchasing a home doesn’t need to drain your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

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

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

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

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

Regardless of whether you are moving down the street, across town or across the country, we are right here to help you all throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Oklahoma City Oklahoma physician home loan program!

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