Physician Home Loan Westminster 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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Whether our clients are a first time home buyer or purchasing a new home in Westminster Colorado, our vetted loan officers have a solid understanding of the local area real estate industry and what it really takes to close your physician home loan with competency and expertise.

Our loan officers in Westminster Colorado provide specialized financing for doctors, just like you.

To start with, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are really profitable customers 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 far fewer terms than their competitors.

Physician Home Mortgage Experts In Westminster Colorado

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

You’ve trained very hard to become a doctor and buying home shouldn’t 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 mortgage!

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

We are aware of the economic demands of your student loan financial debt, and how vital it is to preserve working capital for when the time is right with starting your career. No matter if 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 doctors in Westminster Colorado may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or minimal to no work history.

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

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

Advantages 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, which don’t yet exist.

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

Should You Put Cash Down?

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

Our loan providers can do the math for you and show you what each situation 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 rates too.

Additionally, don’t forget that having equity in your house will offer greater security and overall flexibility, specifically if something unexpected happens. With the 100% financed physician home mortgage loan, you should anticipate to start out under water. 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 just to get out of the house.

No matter if you’re relocating down the street, across town or across the country, we are available to assist you all throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Westminster Colorado physician home mortgage program!

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