Physician Mortgage West Haven 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 West Haven Connecticut, our vetted loan officers have a solid understanding of the local real estate market and what it really requires to secure your physician home mortgage with proficiency and know-how.

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

First off, let’s discuss why physician mortgage loans even exist. The main reason is that doctors are really 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 lending them more money with fewer stipulations than their competition.

Physician Loan Experts In West Haven Connecticut

If you are searching for a physician home loan in West 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 challenging.

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 mortgage!

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

We recognize the financial demands of your student loan financial debt, and how crucial it is to preserve working capital for when the time is right with starting your career. Regardless if you are a couple years into practice, or a well established doctor, you can count on us to find a home loan that is exclusively tailored for your needs.

A large number of doctors in West Haven Connecticut may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan financial obligation or minimal to no work history.

Despite these reasons smart financial institutions know that doctors are a good bet considering that they generally have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

Not all lenders offer this specialized product and within banking institutions that do just simply speaking to the best home loan officer makes a remarkable difference.

Advantages of Physician Home Loans

  • Generally does not include student loan regular monthly payments in debt-to-income percentage.
  • Requires small to no down payment (0-5 percent).
  • Typically does not necessitate private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will approve a contract as evidence of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

Buying a home doesn’t have to drain your savings and the process doesn’t have 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 money?

Our 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 mortgage loan paid off earlier and save thousands on interest too.

Furthermore, don’t forget that having equity in your home will most likely provide greater security and overall flexibility, particularly if something unplanned happens. With the 100% financed physician mortgage loan, you should expect to begin under water. If something doesn’t 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 home.

Regardless of whether you are moving down the road, across town or across the country, we are available to assist you all throughout the physician home loan process:: because you deserve it!

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

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