Home Mortgage For Physicians In Sierra Vista 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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Regardless of whether our clients are a first time home buyer or purchasing a new home in Sierra Vista Arizona, our vetted loan officers have a strong understanding of the local area real estate market and what it really takes to secure your physician home mortgage with proficiency and expertise.

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

First, let’s discuss why physician mortgage loans even exist. The reason is that doctors are extremely 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 a fewer number of requirements than their competitors.

Physician Mortgage Experts In Sierra Vista Arizona

If you are trying to find a physician mortgage in Sierra Vista Arizona then you came to the perfect place.

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

Yup, doctors get their own mortgage!

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

We understand the economic demands of your student loan debt, and how important it is to maintain 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 rely on us to find a mortgage loan that is specifically tailored for your needs.

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

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

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

Advantages of Physician Home Loans

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

Purchasing a home doesn’t need to drain 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 thinking about waiting until you have the cash?

Our 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 sooner and save thousands on interest too.

Additionally, don’t forget that having equity in your home will most likely offer greater security and overall flexibility, particularly if something unanticipated happens. With the 100% financed physician home mortgage loan, you should expect to start out 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 simply to get out of the home.

No matter if you’re relocating down the road, across town or across the country, we are available to work with you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Sierra Vista Arizona physician loan program!

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