Physician Home Loan St Charles 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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Whether you are a first time home buyer or purchasing a new home in St Charles Missouri, our vetted loan officers have a strong understanding of the local area real estate industry and what it really takes to secure your physician mortgage with proficiency and know-how.

Our loan officers in St Charles Missouri offer exclusive financing for doctors, like you.

First, let’s discuss why physician mortgage loans even exist. The main 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 secure early career doctors by loaning them more money with fewer requirements than their competitions.

Physician Home Loan Experts In St Charles Missouri

If you are trying to find a physician home loan in St Charles Missouri 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 loan is a specialized loan program designed just for doctors in the home buying process.

We understand the budgetary demands of your student loan financial obligation, and how essential it is to preserve working capital for when the time is right with embarking upon your career. No matter if you are a couple years into practice, or a well established doctor, you can count on us to find a home loan that is specifically tailored for your needs.

Many doctors in St Charles Missouri 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 factors smart financial institutions know that doctors are a good choice because they typically have an incredibly low nonpayment 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 right mortgage officer makes an enormous difference.

Advantages of Physician Home Loans

  • Typically does not include student loan monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Often does not necessitate private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve a contract as proof 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 Money Down?

Suppose you have some money to put down or are thinking about delaying until you have the funds?

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

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

Additionally, don’t forget that having equity in your home will definitely offer greater security and flexibility, particularly if something unexpected happens. With the 100% financed physician mortgage loan, you ought to expect 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 up to 10% of the purchase price just to get out of the home.

Whether you are moving down the road, across town or across the country, we are right here to work with you all throughout the physician home loan process:: because you deserve it!

Doctors, get the home of your dreams with our St Charles Missouri physician home loan program!

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