Physician Home Loan Program Prescott 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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Whether our clients are a first time home buyer or purchasing a new home in Prescott Valley Arizona, our vetted loan officers have a solid understanding of the local area real estate market and what it really takes to secure your physician home loan with competency and know-how.

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

First off, let’s discuss why physician mortgage loans even exist. The main 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 Prescott Valley Arizona

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

You’ve trained 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 only for doctors?

Yup, doctors get their own mortgage!

A physician loan is a specialized loan program made just for doctors in the home purchasing process.

We understand the personal financial demands of your student loan financial debt, and how crucial it is to preserve working capital for when the time is right with embarking upon your career. Whether you are a couple years into practice, or a well established doctor, you can rely on us to find a mortgage loan that is exclusively tailored for your needs.

Quite a few physicians in Prescott Valley Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or very little to no work history.

Despite these factors smart lenders know that doctors are a good choice because they typically have an exceptionally low default rate on loans, high earning potential and secure jobs.

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

Benefits of Physician Home Loans

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

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

Should You Put Cash Down?

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

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

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

Additionally, don’t overlook that having equity in your house will definitely provide greater security and flexibility, especially if something unforeseen happens. With the 100% financed physician home mortgage loan, you ought to anticipate to begin under water. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially big check for as much as 10% of the purchase price simply to get out of the home.

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

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

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