Home Mortgage For Physicians In San Antonio Texas

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 you are a first time home buyer or purchasing a new home in San Antonio Texas, our vetted loan officers have a strong understanding of the local real estate market and what it takes to close your physician loan with proficiency and know-how.

Our loan officers in San Antonio Texas provide specialized financing for doctors, just 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 financial 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 requirements than their competitors.

Physician Mortgage Experts In San Antonio Texas

If you are looking for a physician mortgage loan in San Antonio Texas then you came to the perfect place.

You’ve trained very hard to become a doctor and buying home 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 just for doctors?

Yup, doctors get their own home loan!

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

We are aware of the economic demands of your student loan financial debt, and how essential 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 mortgage loan that is specifically tailored for your needs.

Many doctors in San Antonio Texas may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or minimal to no work history.

Despite these reasons smart loan providers know that doctors are a good bet due to the fact that they generally have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banks that do simply consulting with the best home loan officer makes a tremendous difference.

Advantages of Physician Home Loans

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

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

Should You Put Money Down?

Suppose you have some money to put down or are looking at waiting until you have the funds?

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 instances, you’ll get your mortgage paid off earlier and save thousands on interest too.

Furthermore, don’t forget that having equity in your house will most likely offer more security and flexibility, specifically if something unexpected happens. With the 100% financed physician home mortgage loan, you ought to anticipate to start out underwater. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially big check for up to 10% of the purchase price simply to get out of the house.

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

Doctors, get the home of your dreams with our San Antonio Texas physician home mortgage program!

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