Physician Mortgage In Pueblo 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.

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Regardless of whether you are a first time home buyer or purchasing a new home in Pueblo Colorado, our vetted loan officers have a strong understanding of the local real estate market and what it takes to secure your physician home loan with efficiency and expertise.

Our loan officers in Pueblo Colorado provide exclusive financing for doctors, just like you.

First and foremost, 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 lending them more money with a lot fewer terms than their competitors.

Physician Home Loan Experts In Pueblo Colorado

If you are trying to find a physician mortgage in Pueblo Colorado then you came to the right place.

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

Yup, doctors get their own home loan!

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

We are aware of the budgetary demands of your student loan liability, and how crucial it is to preserve working capital for when the time is right with embarking upon your career. Whether or not you are a couple years into practice, or a well established doctor, you can depend on us to find a home loan that is specifically tailored for your needs.

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

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

Not all financial institutions offer this specialized product and within banks that do just simply talking to the best mortgage officer makes a tremendous difference.

Advantages of Physician Home Loans

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

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

Should You Put Money Down?

Suppose you have some cash to put down or are considering delaying until you have the money?

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

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

Furthermore, don’t forget that having equity in your house will likely offer more security and overall flexibility, especially if something unplanned happens. With the 100% financed physician mortgage loan, you ought to anticipate to begin under water. If something does not work out and you are forced to sell quickly, you should be prepared to write a potentially sizable check for up to 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 here to work with you throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our Pueblo Colorado physician home mortgage program!

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