National lenders

KEYBANK

Available in the following states: AK, AZ, CA, CO, CT, DC, FL, GA, ID, IL, IN, ME, MA, MD, MI, MO, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TX, UT, VA, VT, WA, WY.

    • Fixed- and variable-rate options available

    • Loan amounts up to $3.5 million

    • Min FICO credit score 720

    • 95% loan-to-value (LTV) to $1 million

    • 90% loan-to-value (LTV) to $1.5 million

    • No cash reserve required up to 95% loan-to-value (LTV) to $1 million

    • No Private Mortgage Insurance (PMI) required

    • Personalized service

    • Loan options available for purchase, as well as rate/term and cash-out refinances

    • Eligible property types include owner-occupied primary residences and second homes

    • Available for 1-unit single-family homes, attached or detached, condos or planned unit developments

Flagstar Bank

Available in the following states: UT, ID, AZ, KY, VT, OH

    • 95% Financing to $1M

    • 90% Financing to $1.5M

    • 5/1, 7/1, 10/1 Adjustable Rate Mortgages (ARMS)

    • Deferred medical student debt may not affect your qualifying loan amount.

    • Purchase and rate/term refinance for primary residence.

    • MD, DDS, DMD, DO, DPM and Veterinarians accepted.

    • Non-Occupant Co-Borrowers Allowed

Regional lenders

Fifth Third

Available in the following states: FL, GA, IN, KY, MI, NC, OH, SC,TN, WV, IL

  • MD, DO, DPM and established DDS or DMD

    • Soft or declining markets do not require additional down payment

    • No Private Mortgage Insurance required

    • Non-Permanent Resident Alien with a H1 Work VISA are acceptable (must demonstrate continued employment)

    • No additional money down on condominiums

    • Purchase or refinance

    • Can close up to 90 days before future employment begins

    New Physician Loan Program- Intern/ Resident/ Fellow OR Practicing/ Attending Physician for less than 1 year

    • 720 credit score required for 0% down up to $750,000

    • 5% down on loan amounts of $750,001 – $1,000,000

    Established Physician Program- Attending/ Practicing Physicians greater that 1 year

    • Dentist now available.

    • Up to $750K with no down payment required

    • 5% down required if greater than $750K up to $1,000,000

    • 15% down required if greater than $1MM up to $1.5MM

    • No limit of years after training

    • Refinance Loans available

    • 720 Credit score required

Local lenders

Mercantile Bank

Available in the following states:   MI, IN, OH, KY

  • • 100% Financing options

    • No Private Mortgage Insurance required

    • Loan amounts up to $2 million

    • Purchase, refinance, or construction

    • Available for primary residence