SunTrust Mortgage
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C.J. Kemp , Doctor Loan and Jumbo Loan Specialist Loan Officer








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8510 Connecticut Ave. Suite 240

Chevy Chase, MD 20815


Since 2003, C.J. Kemp has helped many people achieve their goal of homeownership. A lifelong Maryland resident, C.J. is known for his excellent communication skills, integrity, and exceptional industry knowledge. Whether you are purchasing, refinancing, building or need a home equity loan, C.J. has a solid understanding of the real estate market and what it takes to close your loan with efficiency and expertise. As a Doctor Loan Specialist, C.J. specializes in the residential needs for licensed physicians, residents, interns and fellows, which include MDs (Medical Doctors) and DOs (Doctors of Osteopathy) along with DMDs and DDS (Dental Surgeons, Orthodontist and General Dentists). The Doctor Loan/Physician Loan Program features a variety of fixed and adjustable-rate mortgages with up to 100% financing and no mortgage insurance payments.

Advantages of Doctor Loans:

  • Fixed or adjustable-rate options
  • Up to 100% financing and no monthly mortgage insurance payments
  • Favorable repayment terms 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

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 further restrict 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 payments and/or the property value appreciates
  • A downpayment may be required if the property is located in a declining market

Please click on the Testimonials tab below to see what clients have to say about their experience with C.J.

* In some states, the Doctor Loan product requires a pre-existing depository relationship and is not available for properties located in Alaska, Arizona, Hawaii and Oregon, contact your loan officer for details. This product is available 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 the last fifteen years, Doctors with equal to or over fifteen 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. Fifteen year restriction does not apply when refinancing an existing SunTrust Doctor Loan. Other program restrictions may apply, please consult your loan officer.

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