Physician Home Loan Peoria 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.

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

Whether or not you are a first time home buyer or buying a new home in Peoria Arizona, our vetted loan officers have a strong understanding of the local real estate industry and what it really takes to secure your physician home mortgage with proficiency and expertise.

Our loan officers in Peoria Arizona provide special financing for doctors, like you.

To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are very profitable clients for lending 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 a lot fewer requirements than their competitors.

Physician Home Loan Experts In Peoria Arizona

If you are trying to find a physician loan in Peoria Arizona then you came to the right place.

You’ve trained 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 specifically for doctors?

Yup, doctors get their own loan!

A physician home loan is a customized loan program created just for doctors in the home purchasing process.

We recognize the personal financial demands of your student loan debt, and how crucial 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 home loan that is specially tailored for your needs.

Quite a few doctors in Peoria Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or minimal to no work history.

Despite these factors smart lenders know that doctors are a good choice due to the fact that they generally have an extremely low default rate on loans, high earning potential and secure jobs.

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

Advantages of Physician Home Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Typically does not require private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve a contract as proof of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

Buying a house doesn’t need to empty your savings and the process doesn’t need to drain your time.

Should You Put Cash Down?

What if you have some funds to put down or are looking at delaying until you have the money?

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

In most circumstances, you’ll get your home loan paid off earlier and save thousands on interest rates too.

Furthermore, don’t forget that having equity in your home will definitely provide greater security and flexibility, particularly if something unanticipated happens. With the 100% financed physician mortgage loan, you should expect to begin under water. If something doesn’t 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 moving down the street, across town or across the country, we are available to assist you through the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Peoria Arizona physician home mortgage program!

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