Physician Home Loan Tucson Arizona

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 our clients are a first time home buyer or purchasing a new home in Tucson Arizona, our vetted loan officers have a solid understanding of the local real estate industry and what it requires to secure your physician mortgage with proficiency and know-how.

Our loan officers in Tucson Arizona provide exclusive financing for doctors, exactly like you.

First and foremost, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are really 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 lock in early career doctors by loaning them more money with fewer stipulations than their competitions.

Physician Mortgage Experts In Tucson Arizona

If you are trying to find a physician loan in Tucson Arizona then you came to the perfect place.

You’ve worked very hard to become a doctor and buying home really 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 loan is a specialty loan program developed just for doctors in the home buying process.

We understand the budgetary demands of your student loan liability, 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 rely on us to find a home loan that is specially tailored for your needs.

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

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

Not all mortgage lenders offer this specialized product and within banks that do just simply speaking to the best home loan officer makes a significant difference.

Benefits of Physician Home Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires low to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as evidence 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 looking at delaying until you have the funds?

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

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

Furthermore, don’t overlook that having equity in your house will offer more security and flexibility, particularly if something unplanned happens. With the 100% financed physician home mortgage loan, you ought to anticipate to start out underwater. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially large check for up to 10% of the purchase price just to get out of the home.

Whether you’re moving down the street, across town or across the country, we are available to work with you all throughout the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Tucson Arizona physician home loan program!

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