Physician Mortgage In Tulsa Oklahoma

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 of whether you are a first time home buyer or buying a new home in Tulsa Oklahoma, our vetted loan officers have a solid understanding of the local real estate industry and what it really takes to close your physician home loan with efficiency and know-how.

Our loan officers in Tulsa Oklahoma offer exclusive financing for doctors, like you.

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

Physician Mortgage Experts In Tulsa Oklahoma

If you are trying to find a physician home loan in Tulsa Oklahoma then you came to the right 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 only for doctors?

Yup, doctors get their own home loan!

A physician mortgage is a specialized loan program put together just for doctors in the home buying process.

We are aware of the personal financial 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. Whether you are a couple years into practice, or a well established doctor, you can count on us to find a mortgage loan that is exclusively tailored for your needs.

A large number of physicians in Tulsa Oklahoma may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or little to no work history.

Despite these factors smart loan providers know that doctors are a good choice because they typically have an exceptionally low nonpayment rate on loans, high earning potential and stable jobs.

Not all lenders offer this specialized product and within banks that do just simply consulting with the right home loan officer makes an enormous difference.

Benefits of Physician Home Mortgage Loans

  • Usually 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), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

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

Should You Put Money Down?

What if you have some cash to put down or are considering delaying until you have the funds?

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

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

Furthermore, don’t forget that having equity in your house will likely offer greater security and overall flexibility, specifically if something unforeseen happens. With the 100% financed physician home mortgage loan, you ought to expect to begin under water. If something does not work out and you’re forced to sell quickly, you need to be prepared to write a potentially sizable check for up to 10% of the purchase price just to get out of the home.

No matter if 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 house of your dreams with our Tulsa Oklahoma physician loan program!

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

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