Neil J. Surgenor
Mobile: (212) 933-9900
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 Waterbury Connecticut, our vetted loan officers have a solid understanding of the local real estate industry and what it really requires to close your physician home mortgage with proficiency and know-how.
Our loan officers in Waterbury Connecticut offer exclusive financing for doctors, like you.
First and foremost, 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 far fewer stipulations than their competitors.
If you are looking for a physician loan in Waterbury Connecticut then you came to the perfect place.
You’ve trained very hard to become a doctor and purchasing home really 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 specifically for doctors?
Yup, doctors get their own loan!
A physician loan is a specialty loan program made just for doctors in the home buying process.
We understand the financial demands of your student loan liability, 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.
Quite a few physicians in Waterbury Connecticut may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial debt or very little to no work history.
Despite these reasons smart financial institutions know that doctors are a good choice due to the fact that they typically have an incredibly low default rate on loans, high earning potential and stable jobs.
Not all financial institutions offer this specialized product and within banking institutions that do simply speaking with the best mortgage loan officer makes a tremendous difference.
Buying a house doesn’t need to drain your savings and the process doesn’t need to drain your time.
What if you have some cash to put down or are thinking about delaying until you have the money?
Our mortgage lenders can do the math for you and show you what each scenario looks like and the advantages of each too.
In most instances, you’ll get your home mortgage paid off sooner and save thousands on interest rates too.
Furthermore, don’t forget that having equity in your house will most likely offer more security and overall flexibility, particularly 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’re 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 house.
Whether you’re moving down the road, across town or across the country, we are here to assist you through the physician home mortgage process:: because you deserve it!
Doctors, get the home of your dreams with our Waterbury Connecticut physician home mortgage program!
Less than an hour ago, doctors just like you requested a loan from the locations listed below.