Home Mortgage For Physicians In Norwalk 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 purchasing a new home in Norwalk Connecticut, our vetted loan officers have a solid understanding of the local real estate market and what it takes to secure your physician home mortgage with efficiency and know-how.

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

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

Physician Home Loan Experts In Norwalk Connecticut

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

You’ve trained very hard to become a doctor and purchasing 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 loan!

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

We recognize the budgetary demands of your student loan liability, and how vital it is to preserve working capital for when the time is right with embarking upon your career. Whether you are a couple years into practice, or a well established doctor, you can rely on us to find a mortgage loan that is exclusively tailored for your needs.

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

Despite these factors smart financial institutions know that doctors are a good bet because they typically have an incredibly low nonpayment rate on loans, high earning potential and stable jobs.

Not all banks offer this specialized product and within banks that do just simply speaking to the best home loan officer makes an enormous difference.

Advantages of Physician Home Mortgage Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Typically does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as documentation of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Purchasing a home doesn’t need to drain your savings and the process doesn’t have to drain your time.

Should You Put Cash Down?

What if you have some cash to put down or are looking at waiting until you have the cash?

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

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

Furthermore, don’t overlook that having equity in your house will offer greater security and overall flexibility, specifically if something unplanned happens. With the 100% financed physician mortgage loan, you ought to anticipate to begin underwater. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially sizable check for as much as 10% of the purchase price just to get out of the home.

Regardless of whether you’re relocating down the road, across town or across the country, we are right here to help you all throughout the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Norwalk Connecticut physician home mortgage program!

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