Physician Home Loan Meriden 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 you are a first time home buyer or buying a new home in Meriden Connecticut, our vetted loan officers have a solid understanding of the local area real estate industry and what it really takes to close your physician home mortgage with competency and know-how.

Our loan officers in Meriden Connecticut offer special financing for doctors, like you.

First, let’s talk about why physician mortgage loans even exist. The reason is that doctors are very 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 lot fewer requirements than their competitors.

Physician Loan Experts In Meriden Connecticut

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

You’ve trained very hard to become a doctor and buying home shouldn’t 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 home loan!

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

We recognize the economic demands of your student loan financial debt, and how important 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 count on us to find a mortgage loan that is specifically tailored for your needs.

Many doctors in Meriden Connecticut may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or minimal to no work history.

Despite these factors smart financial institutions know that doctors are a good bet due to the fact that they traditionally have an incredibly low default 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 consulting with the best home loan officer makes an enormous difference.

Benefits 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).
  • Often does not require private mortgage insurance (PMI), despite the fact that 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 home doesn’t have 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 thinking about delaying until you have the funds?

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

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

Furthermore, don’t overlook that having equity in your house will most likely offer greater security and flexibility, especially if something unexpected 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 need to be prepared to write a potentially large check for up to 10% of the purchase price just to get out of the house.

Whether you’re moving down the road, across town or across the country, we are available to assist you through the physician home mortgage process:: because you deserve it!

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

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