Neil J. Surgenor
NMLS# 372700
Mobile: (212) 933-9900
Email: neil.surgenor@flagstar.com
Website: www.flagstar.com/nsurgenor
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.
Whether or not you are a first time home buyer or buying a new home in New Haven Connecticut, our vetted loan officers have a solid understanding of the local area real estate market and what it requires to close your physician home mortgage with competency and expertise.
Our loan officers in New Haven Connecticut provide specialized financing for doctors, exactly like you.
First off, let’s talk about why physician mortgage loans even exist. The main reason is that doctors are really profitable customers for lenders. 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 far fewer stipulations than their competition.
If you are trying to find a physician loan in New Haven Connecticut then you came to the perfect place.
You’ve trained very hard to become a doctor and purchasing 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 just for doctors?
Yup, doctors get their own loan!
A physician home loan is a customized loan program put together just for doctors in the home buying process.
We are aware of the financial demands of your student loan financial debt, and how essential 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.
A large number of doctors in New Haven 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 reasons smart lenders know that doctors are a good choice due to the fact that they generally have an extremely low nonpayment rate on loans, high earning potential and secure jobs.
Not all financial institutions offer this specialized product and within banking institutions that do just simply talking with the best mortgage loan officer makes an enormous difference.
Purchasing a home doesn’t have to drain your savings and the process doesn’t have to drain your time.
What if you have some cash to put down or are thinking about delaying until you have the cash?
Our loan providers can do the math for you and show you what each situation looks like and the benefits of each too.
In most circumstances, you’ll get your mortgage loan paid off earlier and save thousands of dollars on interest too.
Additionally, don’t overlook that having equity in your home will likely provide more security and flexibility, specifically if something unanticipated happens. With the 100% financed physician mortgage loan, you ought to anticipate to start out underwater. If something does not work out and you’re forced to sell quickly, you should be prepared to write a potentially large check for as much as 10% of the purchase price simply to get out of the house.
Whether you’re relocating down the road, across town or across the country, we are right here to help you throughout the physician home mortgage process:: because you deserve it!
Doctors, get the home of your dreams with our New Haven Connecticut physician home mortgage program!
Less than an hour ago, doctors just like you requested a loan from the locations listed below.
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