SunTrust Mortgage Doctor Loan Program
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1 SunTrust Mortgage Doctor Loan Program The Doctor Loan 1 from SunTrust Mortgage is designed to flex to the needs of physicians and dentists. The product snapshot below gives a glimpse into the features of the Doctor Loan program. Since each loan is subject to individual underwriting credit approval and additional qualifications, it is important to continue the conversation with a skilled loan officer who specializes at working within your busy schedule. Eligibility Criteria: Relationship Incentives: Features and Benefits: Mortgage Strategies: Medical Doctors in Residency and Fellowship programs Medical Doctors (DO/MD) and Dentists (DDS/DMD) Note: Doctors with more than ten years post training (residency/fellowship) must be part of SunTrust Private Wealth Management. Time spent as a teaching attending does not count in this ten year period. Other products are available for non PWM clients. Discounts towards rate or closing costs available with automatic payments through a SunTrust account. Financing for primary residences Low and no down payment options Fixed and ARM 2 rates Purchase, rate and term, and cash-out refinances No mortgage insurance Competitive rates Ability to purchase without waiting to accumulate a large down payment. Lower ARM payments for those planning to move or refinance within a few years. Access to premier bankers and client advisors for banking and investment strategies. Credit Profile: Minimum FICO score for 100% financing 3 : 720 Minimum FICO score for 89.99% financing 4 : 660 Maximum debt to income ratio: 50% Gifts and Grants: Seller Contributions: Lender Credits: Gifts are allowed from approved sources. Community and employer grants are allowed. Seller can contribute a percentage of purchase price to pay some or all of the closing costs and prepaids. 9% for loans with 25% down payment 6% for loans with % down payment 3% for loans with less than 10% down payment Any available lender credits can be used to pay some or all of the closing costs and prepaids. Maximum Purchase Financing Available Down Payment: 1-unit single family dwelling Condo 10.01% 4 $1,5000,000 $1,000,000 5% $1,000,000 $750,000 0% $750,000 N/A Start the conversation today. Matt Albert VP, Senior Loan Officer SunTrust Mortgage, Inc Cell Office matthew.albert@suntrust.com NMLSR# Available only in AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA to licensed Residents, Interns, Fellows in MD and DO programs and licensed Physicians and Dentists (MD, DO, DDS, DMD) who have completed their training within last the ten years. Doctors with over ten years post training need to be members of SunTrust Private Wealth Management or belong to a practice that is part of Private Wealth Management to be eligible for this product. Ten year restriction does not apply when refinancing an existing SunTrust Doctor Loan. Other program restrictions may apply, please consult your Loan Officer for details. 2 Adjustable Rate Mortgage (ARM) products have interest rates that may increase after consummation. 3 Borrowers should note that 100% mortgage financing will result in no property equity until such time as the loan principal is paid down through regular mortgage payments and/or the property value appreciates. Additionally, if property values decline you could owe more than your property s value. A down payment may be required if the property is located in a declining market or if required by state regulations. 4 If property values decline you could owe more than your property s value. A down payment may be required if the property is located in a declining market or if required by state regulations. Equal Housing Lender. SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee, MA: Mortgage Lender license #-ML-2915, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker - NYS Department of Financial Services, and RI: Rhode Island Licensed Lender SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc.. REV020917HJ-R STMR1245
2 THE DOCTOR LOAN PROGRAM FROM SUNTRUST MORTGAGE Specialty mortgage financing for Physicians and Dentists. The information contained herein is intended as informational material for the sole and exclusive use of the business entities to which it was distributed and is subject to change without written notice. Equal Housing Lender. SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois 1Residential Mortgage Licensee, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc. REV070516KM-R STMR1132 Matt Albert VP, Senior Loan Officer SunTrust Mortgage, Inc Cell Office matthew.albert@suntrust.com NMLSR#
3 COUNT ON SUNTRUST MORTGAGE For many people, owning a home is one of life s most cherished financial achievements. More than just four walls and a roof, it often stands for years of planning and saving. Wherever you are in life, and whatever your homeownership goals are, you can look to us for the expertise to help you choose the best loan for your plans and budget. We take extra steps to make sure you feel prepared, informed and confident about your choices. Over the years, we ve helped thousands of families and individuals buy or refinance a home in the Mid-Atlantic and Southeast U.S. Already one of the nation s top mortgage lenders, we aspire to be the nation s leader in client-first, stress-free service. Count on us to deliver for you, too. 2
4 WHAT IS THE DOCTOR LOAN? 1 The Doctor Loan Program is a residential mortgage loan specifically created for licensed medical professionals to help make obtaining mortgage financing easier and more hassle-free. The program is designed to flex to the needs of physicians and dentists, and our loan officers are experts at working within busy schedules. Since each loan is subject to individual underwriting credit approval and additional qualifications, it is important to continue the conversation with your loan officer. Eligible Doctors: Licensed Residents/Interns/Fellows in MD and DO programs Medical Doctors (MD) Doctors of Osteopathy (DO) Doctors of Dental Medicine - Dental Surgeons, Orthodontists, General Dentists (DMD/DDS) Psychiatrists licensed as a Medical Doctor 3 1 Available only in AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA to licensed Residents, Interns, Fellows in MD and DO programs and licensed Physicians and Dentists (MD, DO, DDS, DMD) who have completed their training within the last ten years. Doctors with over ten years post training need to be members of SunTrust Private Wealth Management or belong to a practice that is part of Private Wealth Management to be eligible for this product. Subsequent time spent as a Teaching Attending does not count in this ten year period. Ten year restriction does not apply when refinancing an existing SunTrust Doctor Loan. Other program restrictions may apply, please consult your Loan Officer for details.
5 DOCTOR LOAN MORTGAGE FEATURES Availability: Only in AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA Eligibility: Licensed Residents, Interns, Fellows in MD and DO programs Licensed Physicians and Dentists (MD, DO, DDS, DMD) who have completed their training within the last ten years 1 Doctors with over ten years post training need to be a client of, or belong to a practice that is a client of SunTrust Private Wealth Management Loan Terms: Fixed or adjustable rate 2 mortgages Purpose: Purchase Rate/Term Refinances Cash Out Transactions Occupancy/Property Types: Primary residence One unit properties Attached or detached properties (including Row Houses) Leasehold properties Condos and PUDs (Warrantable Condos only, additional 5% down payment/equity required for condos) 4 1 Subsequent time spent as a Teaching Attending does not count in this ten year period. Ten year restriction does not apply when refinancing an existing SunTrust Doctor Loan. 2 Adjustable Rate Mortgage (ARM) products have interest rates that may increase after consummation.
6 DOCTOR LOAN MORTGAGE LOAN AMOUNTS Doctor Loan Program Features During internship, residency and fellowship in MD and DO programs Maximum Loan Amount Financing Available Up To $750, % 2,3 100% 2,3 Physicians and Dentists (MD, DO, DDS, DMD) Within ten years of completion of training $750,000 (residency or fellowship) 1 $1,000,000 95% 3 $1,500, % 3 More than ten years since completion of training for Private Wealth Management clients* $1,500, % 3 Mortgage Insurance Not required * If you completed your training more than ten years ago and are not enrolled in Private Wealth Management, please ask about the other flexible solutions offered by SunTrust Mortgage. 5 1 Subsequent time spent as a Teaching Attending does not count in this ten year period. Ten year restriction does not apply when refinancing an existing SunTrust Doctor Loan. 2 Borrowers should note that 100% mortgage financing will result in no property equity until such time as the loan principal is paid down through regular mortgage payments and/or the property value appreciates. Additionally, if property values decline you could owe more than your property s value. A down payment may be required if the property is located in a declining market or if required by state regulations. Higher credit score requirements apply to loans with zero down payment. 3 If property values decline you could owe more than your property s value.
7 WE RE HERE TO HELP! With SunTrust Mortgage, you get an experienced mortgage provider with a personal approach. We are committed to providing excellent client service. Should you have additional questions regarding the Doctor Loan or other available loan products, SunTrust Mortgage is here to help! 6
THE DOCTOR LOAN PROGRAM FROM SUNTRUST MORTGAGE
THE DOCTOR LOAN PROGRAM FROM SUNTRUST MORTGAGE Specialty mortgage financing for Physicians and Dentists. The information contained herein is intended as informational material for the sole and exclusive
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