Home Mortgage For Physician St Joseph 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.

Get Your Physician Loan Rates Now by Completing the Form Below.

Whether our clients are a first time home buyer or buying a new home in St Joseph Missouri, our vetted loan officers have a solid understanding of the local area real estate market and what it really requires to close your physician home loan with competency and expertise.

Our loan officers in St Joseph Missouri offer special financing for doctors, exactly like you.

First and foremost, let’s talk about why physician mortgage loans even exist. The main 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 secure early career doctors by lending them more money with a fewer number of terms than their competitors.

Physician Mortgage Experts In St Joseph Missouri

If you are looking for a physician loan in St Joseph Missouri then you came to the right place.

You’ve worked 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 loan!

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

We recognize the budgetary demands of your student loan financial debt, and how vital it is to maintain working capital for when the time is right with starting your career. Whether or not you are a couple years into practice, or a well established doctor, you can count on us to find a mortgage loan that is specially tailored for your needs.

A lot of physicians in St Joseph Missouri may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or minimal to no work history.

Despite these factors smart lending institutions know that doctors are a good bet because they traditionally have an incredibly low default rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do just simply speaking with the best home loan officer makes an enormous difference.

Benefits of Physician Home Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Often does not necessitate private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Buying a home doesn’t have to empty your savings and the process doesn’t need 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 scenario looks like and the benefits of each too.

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

Additionally, don’t overlook that having equity in your home will provide greater security and flexibility, especially if something unanticipated happens. With the 100% financed physician home mortgage loan, you ought to anticipate to begin under water. If something doesn’t work out and you’re forced to sell quickly, you should be prepared to write a potentially big check for as much as 10% of the purchase price simply to get out of the home.

Regardless of whether you’re relocating down the street, across town or across the country, we are here to assist you through the physician home loan process:: because you deserve it!

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

Less than an hour ago, doctors just like you requested a loan from the locations listed below.

  • Physician Home Loan Program In Killeen Texas
  • Physician Loan In Youngstown Ohio
  • Physician Mortgage In Rockford Illinois
  • Physician Mortgage Hackensack New Jersey
  • Physician Mortgage In Cincinnati Ohio
  • Physician Mortgage Monroe Louisiana
  • Physician Home Loan Program In West Palm Beach Florida
  • Home Mortgage For Physician Davie Florida
  • Physician Mortgage In York Pennsylvania
  • Home Mortgage For Physicians In Brockton Massachusetts