Physician Mortgage In Surprise Arizona

Preferred Physician Loan Officer

Doug Crouse
NMLS# 363861
Mobile: (816) 728-3631
Email: doug.crouse@umb.com
Website: www.DoctorLoanExpert.com

Purchase Loans

  • 100% financing up to 750k
  • 95% LTV from 750k – 1.25mil
  • 90% LTV from 1.25 mil to 2 mil
  • Over 2 mil on a case by case basis

Available for Primary & Secondary Residences

  • Professional loan includes: physicians, dentists, attorneys, optometrists, veterinarians, and doctors of pharmacy
  • Available in 47 states
  • No mortgage insurance required
  • 15 and 30 year Fixed Rates available
  • Minimum credit score of 700 required
  • Maximum debt ratios and 3 months reserves apply
  • Close up to 60 days prior to start date with signed contract
  • Student loan payments deferred 12+ months are excluded
  • No limit on years out of training

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.

Regardless of whether you are a first time home buyer or purchasing a new home in Surprise Arizona, our vetted loan officers have a strong understanding of the local area real estate industry and what it requires to secure your physician home loan with competency and expertise.

Our loan officers in Surprise Arizona provide specialized financing for doctors, just like you.

First and foremost, let’s talk about why physician mortgage loans even exist. The reason is that doctors are really profitable customers for lending 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 lending them more money with a fewer number of requirements than their competitors.

Physician Mortgage Experts In Surprise Arizona

If you are looking for a physician mortgage loan in Surprise Arizona then you came to the right place.

You’ve trained very hard to become a doctor and buying home really 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 specifically for doctors?

Yup, doctors get their own home loan!

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

We understand the financial demands of your student loan financial obligation, and how essential it is to preserve 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 depend on us to find a mortgage loan that is specially tailored for your needs.

A lot of physicians in Surprise 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 financial institutions know that doctors are a good bet considering that they historically have an extremely 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 right mortgage loan officer makes a significant difference.

Advantages of Physician Home Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires 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 proof of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

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

Our loan providers 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 home mortgage paid off earlier and save thousands of dollars on interest too.

Furthermore, don’t overlook that having equity in your home will definitely provide greater security and flexibility, particularly if something unforeseen happens. With the 100% financed physician home mortgage loan, you should anticipate to start out underwater. If something does not work out and you’re forced to sell quickly, you need to 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 are moving down the road, across town or across the country, we are right here to help you throughout the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Surprise Arizona physician home mortgage program!

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

  • Home Mortgage For Physicians In
  • Home Mortgage For Physician Memphis Tennessee
  • Physician Home Loan Program Revere Massachusetts
  • Physician Loan In Smyrna Tennessee
  • Physician Home Loan Program Corpus Christi Texas
  • Physician Home Loan Irving Texas
  • Physician Loan Hawaii
  • Physician Loan North Dakota
  • Home Mortgage For Physicians In
  • Physician Loan In Lynchburg Virginia