Physician Home Loan Program In Springfield Missouri

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 Springfield Missouri, our vetted loan officers have a solid understanding of the local area real estate industry and what it takes to close your physician home mortgage with proficiency and know-how.

Our loan officers in Springfield Missouri provide exclusive financing for doctors, like you.

To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely 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 lending them more money with a fewer number of terms than their competitors.

Physician Home Mortgage Experts In Springfield Missouri

If you are searching for a physician mortgage in Springfield Missouri then you came to the right place.

You’ve trained very hard to become a doctor and purchasing home really 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 loan!

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

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

A large number of doctors in Springfield Missouri may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or very little to no work history.

Despite these reasons smart financial institutions know that doctors are a good choice considering that they generally 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 talking with the best mortgage officer makes a remarkable difference.

Advantages of Physician 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).
  • Generally does not require private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve an agreement as evidence of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

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

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

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

Furthermore, don’t forget that having equity in your home will definitely provide more security and overall flexibility, specifically if something unexpected happens. With the 100% financed physician home mortgage loan, you ought to expect to begin underwater. If something doesn’t work out and you’re forced to sell quickly, you need to be prepared to write a potentially large check for as much as 10% of the purchase price just to get out of the home.

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

Doctors, get the house of your dreams with our Springfield Missouri physician home mortgage program!

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