Physician Home Loan Program St Peters 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 you are a first time home buyer or buying a new home in St Peters Missouri, our vetted loan officers have a solid understanding of the local area real estate market and what it really takes to close your physician mortgage with efficiency and expertise.

Our loan officers in St Peters Missouri offer specialized financing for doctors, exactly like you.

To start with, 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 stipulations than their competitions.

Physician Home Mortgage Experts In St Peters Missouri

If you are trying to find a physician mortgage loan in St Peters 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 difficult.

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 mortgage is a specialized loan program made just for doctors in the home buying process.

We are aware of the economic demands of your student loan debt, and how crucial it is to maintain working capital for when the time is right with starting your career. Regardless if you are a couple years into practice, or a well established doctor, you can depend on us to find a home loan that is specially tailored for your needs.

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

Despite these reasons smart lenders know that doctors are a good bet due to the fact that they historically have an incredibly low default rate on loans, high earning potential and stable jobs.

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

Benefits of Physician Home Loans

  • Generally 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 a contract as evidence of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

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

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 situations, you’ll get your home loan paid off earlier and save thousands on interest rates too.

Additionally, don’t overlook that having equity in your home will most likely offer greater security and overall flexibility, specifically if something unanticipated happens. With the 100% financed physician mortgage loan, you should anticipate to start out underwater. If something does not 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 just to get out of the house.

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

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

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