Bob Hall, Doctor Loan and Jumbo Loan Specialist, Loan Officer

SunTrust Mortgage

Bob Hall Photo

Bob Hall, Doctor Loan and Jumbo Loan Specialist, Loan Officer

SunTrust Mortgage

NMLSR#:658867

Phone Number

Phone

877.253.8078

Mobile Number

Cell

404.432.1006

Fax Number

Fax

801.233.7536

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980 Hammond Dr. Suite 600

Atlanta, GA 30328

About

Bob Hall's primary focus is creating unique mortgage options for licensed medical physicians and dentists using the SunTrust Mortgage Doctor Loan Program. He also assists a large number of buyers and homeowners with purchase and refinance jumbo loan options using the SunTrust Mortgage Private Wealth Loan and the SunTrust Mortgage Select Advantage Loan.

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 and DO programs, we offer:

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

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

  • 100% financing for loans up to $750,000
  • 95% financing for loans up to $1 Million
  • 89.99% financing for loans up to $1.5 Million
  • Please note: Doctors with over ten years post training experience are limited to maximum 89.99% 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.

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)
  • 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% 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

* The Doctor Loan Program features a variety of fixed and adjustable-rate mortgages with up to 100% financing and no monthly mortgage insurance payments (state restrictions on Loan to Value may apply). Available only in AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA to licensed residents, interns, fellows in MD, DO and DPM programs and licensed physicians and dentists (MD, DO, DPM, DDS, DMD) who have completed their training within last ten years. Doctors with over ten years post training need to be members of SunTrust Private Wealth Management or belong to a practice that is part of Private Wealth Management to be eligible for this product. Ten year restriction does not apply when refinancing an existing SunTrust Doctor Loan. Borrowers should note that 100% mortgage financing will result in no property equity until such time as the loan principal is paid down through regular mortgage payments and/or the property value appreciates. Additionally, if property values decline you could owe more than your property's value. Some equity may be required if the property is located in a declining market or if required by state regulations. Other restrictions may apply, please consult your loan officer for details.

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