Physician Home Loan Program In Thornton Colorado

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 if you are a first time home buyer or purchasing a new home in Thornton Colorado, our vetted loan officers have a strong understanding of the local real estate market and what it really takes to secure your physician loan with proficiency and expertise.

Our loan officers in Thornton Colorado offer specialized financing for doctors, exactly like you.

First off, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are very profitable clients for lending 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 loaning them more money with far fewer requirements than their competitions.

Physician Home Loan Experts In Thornton Colorado

If you are trying to find a physician home loan in Thornton Colorado then you came to the perfect place.

You’ve trained very hard to become a doctor and purchasing 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 only for doctors?

Yup, doctors get their own home loan!

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

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

A lot of doctors in Thornton Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or little to no work history.

Despite these reasons smart lending institutions know that doctors are a good bet considering that they historically have an extremely low nonpayment rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do simply consulting with the right mortgage officer makes a significant difference.

Advantages of Physician Mortgage Loans

  • Generally does not include student loan monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Usually does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will accept an agreement as evidence of future earnings, in lieu of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Cash Down?

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

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

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

Additionally, don’t overlook that having equity in your home will definitely provide more security and overall flexibility, specifically if something unexpected happens. With the 100% financed physician mortgage loan, you should anticipate to start out underwater. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially large check for as much as 10% of the purchase price simply to get out of the house.

Whether you’re relocating down the street, across town or across the country, we are right here to assist you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Thornton Colorado physician loan program!

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