Loan Officer, SunTrust Mortgage, Inc
Kim DeMarco's primary focus is helping to create unique mortgage options for licensed Medical Physicians and Dentists using the SunTrust Mortgage Doctor Loan Program. She also specializes in assisting buyers and homeowners with purchase and refinance jumbo loan options using SunTrust Mortgage Portfolio Loan Programs.
Advantages of Doctor Loans:
For Licensed Residents/Interns/Fellows in MD and DO programs, we offer:
- 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 Practicing Doctors (MD, DO, DDS, DMD), we offer:
- Maximum of 100 percent financing for purchases and rate/term refinances
- There is a maximum loan amount of $750,000
- 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 residency 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. Subsequent time spent as a teaching attending or in a fellowship program doesn't count in this ten year period.
The Doctor Loan program is available only in Alabama (AL), Arkansas (AR), Delaware (DE), Florida (FL), Georgia (GA), Maryland (MD) , Mississippi (MS), North Carolina (NC), South Carolina (SC), Tennessee (TN), Virginia (VA), Washington, D.C., West Virginia (WV) and the following counties in Pennsylvania: Pike, York, Dauphin, Cumberland, and Perry.
To access the Nationwide Mortgage Licensing System and Registration (NMLSR) database and confirm my registration, or that of any other mortgage lending professional, visit http://www.nmlsconsumeraccess.org/, enter the unique NMLSR identification number, and click Search.
Investment and Insurance Products:
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Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts, insurance (including annuities) and investment advisory products and services are offered by SunTrust Investment Services, Inc., a SEC registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services LLC, SunTrust Investment Services, Inc., and GenSpring Family Offices, LLC, each of which is registered as an investment adviser with the U.S. Securities and Exchange Commission. Mortgage products and services are provided by SunTrust Mortgage, Inc.
SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928 CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, 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 Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services; SunTrust Advisory Services LLC, a SEC registered investment adviser which provides Investment Advisory services.
SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services LLC.
SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.