Home Mortgage For Physician Yuma 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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Regardless of whether our clients are a first time home buyer or buying a new home in Yuma Arizona, our vetted loan officers have a strong understanding of the local area real estate market and what it takes to close your physician home mortgage with proficiency and expertise.

Our loan officers in Yuma Arizona provide special financing for doctors, exactly 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 lock in early career doctors by loaning them more money with a fewer number of terms than their competitions.

Physician Loan Experts In Yuma Arizona

If you are trying to find a physician mortgage in Yuma Arizona then you came to the right place.

You’ve worked very hard to become a doctor and purchasing 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 specifically for doctors?

Yup, doctors get their own loan!

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

We understand the personal financial demands of your student loan financial debt, and how essential it is to maintain working capital for when the time is right with embarking upon your career. Whether 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 doctors in Yuma Arizona may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan financial obligation or minimal to no work history.

Despite these factors smart loan providers know that doctors are a good choice due to the fact that they historically have an extremely low nonpayment rate on loans, high earning potential and secure jobs.

Not all financial institutions offer this specialized product and within banking institutions that do simply speaking to the best mortgage officer makes an enormous difference.

Benefits of Physician Home Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Often does not call for private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve a contract as proof of future earnings, instead of pay stubs or W-2s, which don’t yet exist.

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

Should You Put Money Down?

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

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

Furthermore, don’t overlook that having equity in your home will offer more security and flexibility, especially if something unanticipated happens. With the 100% financed physician home mortgage loan, you ought to anticipate 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 big check for as much as 10% of the purchase price simply to get out of the home.

Whether you’re moving down the road, across town or across the country, we are right here to work with you through the physician home loan process:: because you deserve it!

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

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