Physician Home Loan Program In Oro Valley Arizona

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 Oro Valley Arizona, our vetted loan officers have a strong understanding of the local area real estate industry and what it really takes to secure your physician loan with proficiency and know-how.

Our loan officers in Oro Valley Arizona provide exclusive financing for doctors, exactly like you.

First, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are very profitable clients for lenders. 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 requirements than their competitions.

Physician Home Loan Experts In Oro Valley Arizona

If you are looking for a physician loan in Oro Valley Arizona then you came to the right place.

You’ve trained very hard to become a doctor and purchasing home 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 loan is a specialty loan program developed just for doctors in the home buying process.

We are aware of the economic demands of your student loan financial debt, and how vital it is to preserve 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 depend on us to find a mortgage loan that is specifically tailored for your needs.

Many physicians in Oro Valley Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial debt or very little to no work history.

Despite these reasons smart lenders know that doctors are a good bet considering that they traditionally have an extremely low default rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banking institutions that do just simply talking with the right home loan officer makes a remarkable difference.

Advantages of Physician Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

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

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

Additionally, don’t forget that having equity in your house will definitely provide greater security and overall flexibility, specifically if something unforeseen happens. With the 100% financed physician mortgage loan, you should anticipate to begin underwater. If something does not work out and you’re 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 are relocating 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 Oro Valley Arizona physician home loan program!

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