Physician Loan In Bridgeport Connecticut

Preferred Physician Loan Officer

Neil J. Surgenor
NMLS# 372700
Mobile: (212) 933-9900
Email: neil.surgenor@flagstar.com
Website: www.flagstar.com/nsurgenor

  • *Can lend in ALL 50 STATES.
  • *Up to $850k (ZERO down payment required)
  • *Up to 1 Million only 5% down
  • *Up to 1.5 Million only 10% down
  • *Credit score needed : as low as 710 Fico ok (Can make exceptions sometimes)
  • *Can be used for both new purchases and refinancing existing mortgage loans
  • *Non-occupant co-borrowers are allowed on the loan
  • *Can close up to 60 days prior to starting employment
  • *No PMI required!

Eligible Borrowers: Medical Resident (Educational License), Medical Doctor (MD), Doctor of Dental Surgery (DDS), Doctor of Dental Medicine (DMD), Doctor of Optometry (OD), Doctor of Ophthalmology (MD), Doctor of Podiatric Medicine (DPM), Doctor of Osteopathy (DO), Nurse Anesthetist, Nurse Practitioner, Clinical Nurse Specialist, Veterinarian, Attorneys, CPAs, and ATP Airline Pilots.

This Products available only on 5-1 and 7-1 adjustable rate mortgages; no fixed rates. (* many other programs available with fixed rates please call to see which program suits you)

I am a senior lending manager for Flagstar Bank, a $16.9 billion savings and loan holding company headquartered in Troy, Mich. Flagstar provides commercial, small business, and consumer banking services through 99 branches in the state. It provides home loans through a wholesale network of brokers and correspondents in all 50 states, as well as 90 retail locations in 29 states, representing the combined retail branches of Flagstar and Opes Advisors mortgage division.

I possess extensive tenure in the mortgage industry as well as the financial markets, having been a top producer nationwide for the past 20 years. After a successful career on Wall Street, I now focus my efforts on helping families navigate the mortgage marketplace. I draw on my experiences, and am truly able to advise my clients on financing that fits their overall financial profile, not just their immediate mortgage needs.

Get Your Physician Loan Rates Now by Completing the Form Below.

Whether or not our clients are a first time home buyer or buying a new home in Bridgeport Connecticut, our vetted loan officers have a solid understanding of the local area real estate industry and what it requires to secure your physician home loan with proficiency and know-how.

Our loan officers in Bridgeport Connecticut provide special financing for doctors, exactly like you.

First off, let’s discuss why physician mortgage loans even exist. The reason is that doctors are extremely profitable clients for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use physician home loans to secure early career doctors by lending them more money with a fewer number of terms than their competition.

Physician Home Mortgage Experts In Bridgeport Connecticut

If you are searching for a physician mortgage loan in Bridgeport Connecticut then you came to the right place.

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

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

A home loan just for doctors?

Yup, doctors get their own home loan!

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

We recognize the personal financial demands of your student loan financial debt, and how vital it is to maintain working capital for when the time is right with launching your career. Regardless if you are a couple years into practice, or a well established doctor, you can depend on us to find a mortgage loan that is specifically tailored for your needs.

A lot of physicians in Bridgeport Connecticut may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or very little to no work history.

Despite these reasons smart lenders know that doctors are a good bet considering that they traditionally have an exceptionally low nonpayment rate on loans, high earning potential and stable jobs.

Not all financial institutions offer this specialized product and within banking institutions that do just simply speaking with the right home loan officer makes an enormous difference.

Advantages of Physician Home Mortgage Loans

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

Buying a home 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 money to put down or are looking at delaying 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 circumstances, you’ll get your mortgage loan paid off sooner and save thousands on interest rates too.

Furthermore, don’t overlook that having equity in your house will likely offer more security and overall flexibility, especially if something unforeseen happens. With the 100% financed physician home mortgage loan, you ought to expect 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 up to 10% of the purchase price just to get out of the home.

Regardless of whether you are moving down the road, across town or across the country, we are here to work with you throughout the physician home mortgage process:: because you deserve it!

Doctors, get the home of your dreams with our Bridgeport Connecticut physician home loan program!

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