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Financing in Covington : Real Estate Advice

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  • Home Buying10
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Activity 4
Fri Mar 20, 2015
answered:
Yes Doctor/ Physician loans are availablein Kentucky! Hi, my name is Matt Albert (NMLS# 658999) and I am a Doctor/ Physician Loan Specialist with 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 (Medical Doctors), DOs (Doctors of Osteopathy) along with DMDs and DDS (including Dental Surgeons, Orthodontists and General Dentists). We provide financing of 95% up to $850,000, 89% to $1 million (**exceptions possible**) AND 89% to $1 million for 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, D.C., West Virginia. **Additional States are possible on an exception basis.**

If I can be of any assistance please feel free to contact me for details as we are NOT allowed to share guidelines of the program in online forums.


Matt Albert
Physician Loan Specialist
Mortgage Loan Officer
NMLSR # 658999
Citizens/ Charter One Home Loans
Phone - (336) 471-1825
Fax -(844) 574-2618
matthew.albert@charteronebank.com
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Sat Jan 12, 2013
sashatwo asked:
I have a conventional loan on my home that I live in and I am also a co-borrower on an FHA loan with my daughter on a home that she lives in.I want a lower interest rate and don't want…
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Fri Aug 24, 2012
Connie Cahill answered:
E-mail me and I'll help you through the process. ConnieCahill@KW.com. My son is a loan officer and has access to over 20 lenders so he may be able to get this arranged for you.
0 votes 4 answers Share Flag
Wed Mar 30, 2011
Rudy McDowell answered:
Hi, Maywepopin. The first answer is pretty much spot on. If you filed and completed a Chapter 13, you''re now good to go. If it was a Chapter 7, then its a 2 year wait from the date the bankruptcy was officially discharged. Depending on if you included everything in it save your mortgage, you will also need to reestablish at least 2 more lines of credit as soon as possible to generate the credit score and history you will need once the waiting period is over.

Your lender will also want to know the reason(s) behind the BK, especially if it was chapter 7. Loss of job, loss or significant reduction in 2nd income from a spouse due to a medical disbaility, lay off, death or divorce, are the most readily acceptable.
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