Doctor Loan Program

We take care of doctors.

SunTrust Mortgage can help you achieve your home ownership goals.

Home Mortgage Loans for Doctors: Dentists (DDS and DMD), Physicians (MD, DO and DPM), Licensed Residents, Fellows in MD, DO and DPM programs.

You've worked hard to become a doctor and now it's time to receive the benefits of all that work. At SunTrust Mortgage, your doctor privileges include flexible rate and financing options, even if you have student loans.

Advantages of Doctor Loans:

  • Fixed or adjustable-rate options
  • Up to 100% financing and no monthly mortgage insurance payments
  • Favorable repayment terms provide flexibility to meet your financial reality

For Licensed Residents/Interns/Fellows in MD, DO and DPM programs, we offer:

  • Maximum of 100 percent financing for purchases and rate/term refinances
  • There is a maximum home loan amount of $750,000

For Practicing Doctors (MD, DO, DPM, DDS, DMD), we offer:

  • 100% financing for loans up to $750,000
  • 95% financing for loans up to $1 Million
  • 90% financing for loans up to $1.5 Million
  • Please note: Doctors with over ten years post training (Residency or Fellowship) experience are limited to maximum 90 percent financing. These Doctors need to be members of SunTrust Private Wealth Management or belong to a practice that is part of SunTrust Private Wealth Management to be eligible for this product. This restriction does not apply to SunTrust Mortgage to SunTrust Mortgage Doctor loan refinances.

What you’ll need to consider:

  • Loans are available in select states (AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA). Other program and geographic restrictions may apply, please consult your loan officer for details.
  • State law may put further restrictions on maximum loan-to-value ratio
  • Adjustable-rate mortgages have interest rates that may increase during the life of the loan
  • 100 percent mortgage financing will result in no property equity until the borrower pays down the loan principal through regular mortgage payments and/or the property value appreciates
  • A down payment may be required if the property is located in a declining market. If property values decline, you could owe more than your property's value. 

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