Dentist Home Loan Program Fremont California

Benefits of a Dentist Loan

  • Zero or Low Down Payment 0-10% is typical.
  • No Private Mortgage Insurance(PMI) saving you up to 1% annually. That is a $10,000 per year savings on a 1 million dollar home.
  • Student loan debt not counted against you. This allows you to qualify for a nicer home.
  • Higher loan limits up to 2 million are available typically at the same rate.
  • Ability to close 90 days prior to new employment beginning. Moving is stressful enough without starting a new job. Why move twice or pay huge premiums for long term housing.
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Whether or not you are a first time home buyer or purchasing a new home in Fremont California, our vetted loan officers have a solid understanding of the local real estate industry and what it really requires to secure your dentist home loan with efficiency and expertise.

Our loan officers in Fremont California offer specialized financing for dentists, exactly like you.

First and foremost, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are really profitable clients for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use dentist home loans to lock in early career dentists by lending them more money with far fewer terms than their competitors.

Dentist Mortgage Experts In Fremont California

If you are trying to find a dentist home mortgage in Fremont California then you came to the perfect place.

You’ve worked very hard to become a dentist and purchasing home shouldn’t be nearly as challenging.

Did you know there is a special loan that makes it easy for dentists to buy a home?

A home loan only for dentists?

Yup, dentists get their own loan!

A dentist home mortgage is a special loan program developed just for dentists in the home buying process.

We are aware of the financial demands of your student loan liability, and how vital it is to preserve working capital for when the time is right with starting your dental career. Whether you are a couple years into practice, or a well established dentist, you can rely on us to find a mortgage loan that is specially tailored for your needs.

A large number of dental professionals in Fremont California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or little to no work history.

Despite these factors smart loan providers know that dentists are a good bet considering that they historically have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

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

Benefits of Dentist Mortgage Loans

  • Usually does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Typically does not require 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, that don’t yet exist.

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

Should You Put Cash Down?

Suppose you have some funds to put down or are looking at waiting until you have the cash?

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

In most situations, you’ll get your mortgage paid off earlier and save thousands of dollars on interest too.

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

Regardless of whether you’re moving down the road, across town or across the country, we are right here to help you throughout the dentist home loan process:: because you deserve it!

Dentists, get the home of your dreams with our Fremont California dentist home loan program!

Dentist Home Loan Program Fremont California

Whether you are a first time home buyer or buying a new home in Fremont California, our vetted loan officers have a solid understanding of the local area real estate industry and what it really takes to close your dentist mortgage with efficiency and expertise.

Our loan officers in Fremont California provide exclusive financing for dentists, like you.

To start with, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are very profitable customers for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use dentist home loans to secure early career dentists by loaning them more money with fewer stipulations than their competition.

Dentist Home Loan Experts In Fremont California

If you are looking for a dentist home loan in Fremont California then you came to the right place.

You’ve worked very hard to become a dentist and buying home shouldn’t be nearly as challenging.

Did you know there is a special loan that makes it easy for dentists to buy a home?

A home loan just for dentists?

Yup, dentists get their own home loan!

A dentist home loan is a special loan program put together just for dentists in the home buying process.

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

A large number of dental experts in Fremont California 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 reasons smart loan providers know that dentists are a good bet because they generally have an extremely low nonpayment rate on loans, high earning potential and stable jobs.

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

Advantages of Dentist Home Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires small to no down payment (0-5 percent).
  • Generally does not necessitate private mortgage insurance (PMI), even when lower than 20 percent down payment.
  • Will approve a contract as documentation of future earnings, in lieu 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 have to drain your time.

Should You Put Cash Down?

Suppose you have some money to put down or are looking at delaying until you have the money?

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

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

Additionally, don’t overlook that having equity in your home will likely offer more security and flexibility, specifically if something unexpected happens. With the 100% financed dentist mortgage loan, you ought to anticipate to start out under water. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the home.

No matter if you are moving down the road, across town or across the country, we are available to help you all throughout the dentist home loan process:: because you deserve it!

Dentists, get the house of your dreams with our Fremont California dentist home mortgage program!