Doctor Home Loans in North Carolina

Doctor Home Loans in North CarolinaIf you’re thinking of purchasing a home in North Carolina, using a physician mortgage loan can help your housing dream become a reality. Over 28,000 physicians call the Tar Heel State home, and soon you can too with a doctor home loan in North Carolina.

Many people are moving – and staying – in North Carolina, it’s the 14th fastest-growing state in population, and one of the most populous states in the country. But North Carolina is more than BBQ and Basketball to those who call it home. It’s a state where you’ll find multiple major metropolitan areas, fantastic hospitals and healthcare, and many options for a home purchase.

Recommended Lenders for Doctor Home Loans in North Carolina

UMB physician loansDoug Crouse, Mortgage Loan Officer | BMO Bank

Whether it’s your first home, a refinancing project or looking for the next home upgrade, Doug is focused on making a real and lasting difference. That’s why he takes the time to understand each of his clients’ unique home buying needs (as he has with my very own physician family).

Contact Doug by visiting this link.

 

Truist physician loanMike Fitzmeyer, Sales Manager/V.P. | SunTrust (now Truist) | NMLSR #93716

Mike Fitzmeyer of SunTrust (now Truist) understands the mortgage business. He is a seasoned professional with over 28 years of experience with a specific focus on Doctor Mortgage financing.  Mike understands the needs of the Physician community and will tailor a mortgage solution for each client’s individual needs and financial plan. Mike and SunTrust (now Truist) have tremendous Doctor Mortgage experience and have flexibility in dealing with different situations in order to customize a mortgage solution for each client.   

Contact Mike today to get the best service for your next home purchase or refinance needs. 

 

Citizens Bank Physician LoansNeil Surgenor, Physician Loan Specialist | TD Bank

For years, Neil has been helping physicians, surgeons and dentists achieve their dreams of homeownership.  From start to finish, he can help guide you through the process.  Beginning with our mortgage comparison tool to determine your options, to painlessly uploading your documents digitally, Neil will be there to assist and guide you during the entire process.  Whether you’re a first-time homebuyer, looking to purchase a second home or purchase an investment property, TD Bank has solutions designed for Doctors and an efficient process that makes getting a mortgage easier.

To learn more about Neil and why we highly recommend him, go here

Connect with Neil by visiting this link or by phone (212) 933-9900 or email: neil.surgenor@td.com

 

 

Darick Hensel,  Mortgage Banker, Huntington Bank (formerly TCF Bank) NMLS #1177936

With over 15 years experience in mortgage lending and many years specializing in physician loans, Darick Hensel draws on every previous client to help improve for the next.

He understands the nuances of physician contracts, relocations, and financial strategies. Married to a trauma surgeon, Darick values your time and need for expediency. Outside of helping new and experienced physicians with their mortgage needs, he loves his wife, 2 dogs, golfing, and traveling.  He and his wife already have tickets to the 150th British Open! Get to know Darick too.

Find him by visiting this link, emailing him at Darick.hensel@huntington.com, or calling 517-214-3257.   

 

Jared Bahr of Regions Bank has been in the lending business for over 11 years and has a wealth of experience! While closing thousands of doctor home loans in his career, Jared has mastered the underwriting process and seen almost every type of contract. With Regions (and Jared) your physician loan will automatically qualify you for private banking with all its corresponding perks. As a family man himself, Jared puts a high priority on letting his clients focus on what matters most: their family and career.

Let Jared help you find your dream home today! Contact Jared by going here.

 

US Bank physician loan

Jonathan Brozek, Mortgage Loan Officer | U.S. Bank | NMLS# 850168

Equal Housing Lender

“Pinch me. I must be dreaming!” is what one of Jonathan’s physician endorsers expressed after reflecting on his mortgage experience. Others state their experience allowed them to enjoy the process of buying a home. We’re optimistic you’d experience the same. But, there’s only one way to find out.

Contact Jonathan by emailing him here: jonathan.brozek@usbank.com (email preferred) or call (916) 788-7982

 

 

 

Living in North Carolina means you have tons of choices. You can choose to live on the coast, in the mountains, or in the Triangle (Raleigh-Durham area). A physician mortgage loan can make it possible to own a home, no matter which region you choose. 

Working with a lender who specializes in physician mortgages can help you throughout your home-buying process. Getting pre-qualified for a physician mortgage loan will give you solid numbers to work with as you start house-hunting. You’ll know what to expect in a monthly mortgage payment as you narrow down your housing choices. When you do make an offer, it’ll show the seller of the property that you are a serious buyer. 

If you’re ready to get started on your doctor home loan in North Carolina, then you’ll find these lenders ready to help you move forward. 

List of Lenders for Doctor Home Loans in North Carolina

BMO Harris – BMO Harris offers several mortgage options for physicians. Physicians can borrow up to 100% on mortgages up to $1M, 95% on mortgages up to $1.5M, and 90% on mortgages up to $2M. There is no PMI on physician mortgage loans through BMO Harris. The loan programs are available with either fixed or adjustable rates and without any special fees. BMO Harris is headquartered in Chicago, IL and also operates in the states of AZ, FL,IN, KS, MN, MO, and WI – excludes NY.

 

SunTrust (now TRUIST) – The doctor home loan program from SunTrust Bank (now Truist) is available to MDs, DOs, DDS’, and DMDs that are currently in residency, and practicing professionals that have completed their training within the last 10 years. Residents and fellows are eligible for a SunTrust physician loan up to $750,000 with no down payment at 100% financing! Meanwhile, those within ten years of residency completion are eligible for higher physician loan amounts up to $1,000,000 with 95% financing and up to $1,500,000 with 89.99% financing!

 

US Bank – U.S. Bank is a leader in the mortgage industry. Many of their customers have said they would recommend them in the future. They offer loans that meet almost every mortgage need. You may be eligible for the U.S. Bank Customer Credit with a new or existing U.S. Bank Personal Checking Package, or with an existing first mortgage with U.S. Bank. Take 0.25% of the loan amount and deduct it from the closing costs, up to a maximum of $1,000. At U.S. Bank, they know that your home is one of the biggest investments you’ll ever make. And whether you’re looking for a new mortgage loan, a mortgage refinance or a home equity loan, you want a partner you can trust. 

 

TD Bank – TD Bank is one of the biggest ten banks in the Nation and a favorite option for physicians! They offer a great selection of all types of mortgage loans. They have a great PHYSICIANS MORTGAGE loan product for medical or dental residents and fellows as well as practicing and self-employed physicians and dentists. They also offer other conventional loan and FHA abd VA loans. Products offered include a 0% down / 100% financing for loans up to $750,000, 5% down / 95% financing for loans up to $1,250,000, and 10% down for loans up to $1,500,000. All TD Bank’s Physician loans have NO PMI and flexible rate options including a 30 yr fixed and 5yr, 7yr and 10 yr Arm. TD Bank has over 1,200 branch locations and operates in multiple states on the East Coast. Contact Neil Surgenor for more information!

 

IberiaBank – IberiaBank offers several mortgage solutions for borrowers. Physician loans are offered to those both residents, fellows and practicing physicians. Doctors are eligible to borrow up to $1M with no money down. Mortgage loans are offered with options including  5/1 ARM, 7/1 ARM and 30 year fixed – all with no mortgage insurance. Iberia Bank is headquartered in Louisiana and is available in several states.

 

Regions Bank – Regions Bank can help borrowers finance a loan with no down payment options for loans up to $750,000 or a 5% down option for those who need up to $1M. In addition, PMI will be excluded. Regions bank will also exclude certain student loan debt when calculating your debt-to-income ratio.

Recommended Real Estate Agents In North Carolina

Financial Residency has partnered with Dr. Moves to offer you a tailored home buying experience with agents that specialize in working with physicians in North Carolina. 

Moving to a different state? Click on the state you are moving to and get the best lenders in that state.

Return to all physician home loans by state.