Yes! My name is Matt Albert (NMLS# 658999) and I am a Doctor/Physician Loan Specialist with RBS Citizens/Charter One Home Loans. I have been specifically working with physicians for over 12 years. We cover licensed medical physicians, residents, interns and fellows, which include MDs, DOs, along with DMDs and DDS. We provide financing of 95% up to $850,000, 89% to $1 million AND 89% to $1 million for a one time close construction Doctor Loan, all with NO PMI! We offer our Doctor Program in the following states:
Connecticut, Delaware, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, North Carolina, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia, Vermont, Washington DC, West Virginia. *Additional States are possible on an exception basis, exceptions also possible in regards to loan amounts on a case by base basis*
If I can be of any assistance please feel free to contact me regarding details of the program as we are NOT allowed to share guidelines of the program in online forums. You may do a search of my name and Doctor loan and easily find my contact information or see my profile. Good luck!... more
You now know the difference between any old commitment letter that the bank will happily print for you with dozens of outs for them to NOT close the loan written in there ( especially like the ones that are subject to any other underwriter criteria or something of that ilk ) and a true clean commitment or even better, a clear to close.
Extend your commit date until you have something with every contingency that can be removed prior to closing ... already removed. A good buyer agent and atty protecting your interests should demand as much of your lender.... more
Katherine, We see new homes come on the market throughout the year. There was a flurry as our winter was long with heavy snowfall. Many homeowners wanted their homes looking the best, so waited to put them on. If you are interested over the summer some homes do arrive to market. It is a great time to view with gardens in full bloom!... more