Physician Mortgage Prescott 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.

Regardless of whether you are a first time home buyer or buying a new home in Prescott 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 loan with efficiency and expertise.

Our loan officers in Prescott Arizona offer special financing for doctors, just like you.

First, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are really 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 lock in early career doctors by loaning them more money with fewer stipulations than their competitions.

Physician Home Mortgage Experts In Prescott Arizona

If you are looking for a physician mortgage in Prescott Arizona then you came to the perfect place.

You’ve trained very hard to become a doctor and purchasing home shouldn’t 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 specifically for doctors?

Yup, doctors get their own mortgage!

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

We understand the financial demands of your student loan financial obligation, and how crucial it is to preserve working capital for when the time is right with starting 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 specifically tailored for your needs.

A lot of doctors in Prescott Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or very little to no work history.

Despite these factors smart financial institutions know that doctors are a good choice because they historically have an incredibly low default rate on loans, high earning potential and stable jobs.

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

Advantages of Physician Home Mortgage Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires very low to no down payment (0-5 percent).
  • Usually does not call for 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, which don’t yet exist.

Buying a house doesn’t need to drain your savings and the process doesn’t have 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 loan providers can do the math for you and show you what each circumstance looks like and the benefits of each too.

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

Furthermore, don’t overlook that having equity in your house will most likely offer more security and flexibility, especially if something unplanned happens. With the 100% financed physician home mortgage loan, you ought to expect to start out 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 simply to get out of the home.

Whether you’re moving down the street, across town or across the country, we are here to assist you through the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Prescott Arizona physician loan program!

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