Physician Mortgage In Danbury 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 you are a first time home buyer or buying a new home in Danbury Connecticut, our vetted loan officers have a solid understanding of the local area real estate market and what it requires to secure your physician mortgage with proficiency and expertise.

Our loan officers in Danbury Connecticut offer specialized financing for doctors, exactly like you.

To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are really profitable customers 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 loaning them more money with fewer terms than their competition.

Physician Home Mortgage Experts In Danbury Connecticut

If you are searching for a physician mortgage in Danbury 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 only for doctors?

Yup, doctors get their own mortgage!

A physician home mortgage is a specialized loan program designed just for doctors in the home purchasing process.

We understand the personal financial demands of your student loan liability, and how crucial it is to preserve working capital for when the time is right with embarking upon your career. Whether or not you are a couple years into practice, or a well established doctor, you can depend on us to find a home loan that is specially tailored for your needs.

Many doctors in Danbury Connecticut 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 reasons smart lenders know that doctors are a good bet because they traditionally have an extremely low default rate on loans, high earning potential and secure jobs.

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

Advantages of Physician Home Loans

  • Typically does not include student loan monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve an agreement as documentation of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

Purchasing a house doesn’t need to empty your savings and the process doesn’t need 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 funds?

Our lenders can do the math for you and show you what each scenario looks like and the benefits of each too.

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

Furthermore, don’t overlook that having equity in your house will most likely provide more security and flexibility, especially if something unanticipated happens. With the 100% financed physician mortgage loan, you should expect to start out underwater. If something does not work out and you are forced to sell quickly, you should be prepared to write a potentially sizable check for as much as 10% of the purchase price simply to get out of the house.

Regardless of whether you’re moving down the street, across town or across the country, we are available to help you through the physician home loan process:: because you deserve it!

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

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