Home Mortgage For Physicians In Parker 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.

Get Your Physician Loan Rates Now by Completing the Form Below.

Whether you are a first time home buyer or buying a new home in Parker Colorado, our vetted loan officers have a solid understanding of the local real estate industry and what it requires to secure your physician home mortgage with proficiency and expertise.

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

First, let’s discuss why physician mortgage loans even exist. The reason is that doctors are really 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 loaning them more money with far fewer stipulations than their competitors.

Physician Home Loan Experts In Parker Colorado

If you are searching for a physician home loan in Parker Colorado then you came to the perfect 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 loan!

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

We recognize the budgetary 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. Whether 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.

Many physicians in Parker 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 factors smart lending institutions know that doctors are a good choice because they traditionally have an exceptionally 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 just simply consulting with the best mortgage officer makes a tremendous difference.

Benefits of Physician Home Loans

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

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

Should You Put Cash Down?

Suppose you have some cash to put down or are thinking about delaying until you have the cash?

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

In most situations, you’ll get your home loan paid off sooner and save thousands on interest too.

Additionally, don’t overlook that having equity in your house will likely provide more security and flexibility, particularly if something unplanned happens. With the 100% financed physician mortgage loan, you ought to expect to begin under water. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially sizable check for up to 10% of the purchase price just to get out of the home.

No matter if you’re 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 Parker Colorado physician home mortgage program!

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