Dentist Mortgage In Asheville North Carolina

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 our clients are a first time home buyer or buying a new home in Asheville North Carolina, our vetted loan officers have a strong understanding of the local real estate market and what it takes to close your dentist mortgage with competency and expertise.

Our loan officers in Asheville North Carolina provide specialized financing for dentists, like you.

First off, let’s discuss why dentist mortgage loans even exist. The reason is that dentists are extremely 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 a lot fewer terms than their competitions.

Dentist Home Loan Experts In Asheville North Carolina

If you are looking for a dentist home loan in Asheville North Carolina then you came to the perfect place.

You’ve worked very hard to become a dentist and buying home should not be nearly as difficult.

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 loan is a customized loan program created just for dentists in the home purchasing process.

We recognize the financial demands of your student loan debt, and how important it is to maintain 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 home loan that is exclusively tailored for your needs.

Many dentists in Asheville North Carolina 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 choice considering that they generally have an exceptionally low default rate on loans, high earning potential and secure jobs.

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

Advantages of Dentist Mortgage Loans

Usually does not include student loan regular monthly payments in debt-to-income percentage.
Usually require low to no down payment (0-5 percent).
Often does not necessitate private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
Generally will accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

Buying a house doesn’t have 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 considering waiting until you have the cash?

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 sooner and save thousands on interest rates too.

Additionally, don’t overlook that having equity in your house will most likely provide more security and overall flexibility, specifically if something unplanned 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’re forced to sell quickly, you need to be prepared to write a potentially big check for up to 10% of the purchase price simply to get out of the house.

Whether you are relocating down the street, across town or across the country, we are right here to assist you throughout the dentist home mortgage process:: because you deserve it!

Dentists, get the house of your dreams with our Asheville North Carolina dentist home mortgage program!