SunTrust Mortgage
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David P. Hager , Doctor Loan and Jumbo Loan Specialist Loan Officer








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50 N. Laura St. Suite 3200

Jacksonville, FL 32202

500 Third St.

Neptune Beach, FL 32266


With over 25 years of experience as a mortgage loan officer, David Hager is committed to serving medical industry professionals. David applies market knowledge and expertise to secure financing for his clients' primary residences and second homes. By providing his clients with tailored finance solutions to fit their needs, David has helped many physicians and dentists achieve the dream of homeownership. David specializes in bringing peace of mind to his borrowers by practicing integrity, hard work and focusing all of his energy into ensuring that the needs and goals of his clients are met.

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.
  • Doctors out of training over 10 years, not meeting the above requirements may qualify for our Premier Product with financing available up to 89.99% with no MI.

What you'll need to consider:

  • Loans are available in select states (AL, AR, CA, CT, DE, KY, FL, GA, MA, MD, MS, NC, OH, PA, SC, TN, TX, VA, WV and Washington, DC)
  • 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 is available only in Alabama (AL), Arkansas (AR), California (CA), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Kentucky (KY), Maryland (MD), Massachusetts (MA), Mississippi (MS), North Carolina (NC), Ohio (OH), Pennsylvania (PA), South Carolina (SC), Tennessee (TN), Texas (TX), Virginia (VA), Washington, D.C. and West Virginia (WV).

For more information on the best Doctor Loan Program available, please call David at 904.208.1349 or e-mail him at

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