Jim Larkin, Loan Officer

SunTrust Mortgage, Inc

Jim Larkin Photo
Jim Larkin, Loan Officer

SunTrust Mortgage, Inc

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46175 Westlake Dr. Suite 350

Sterling, VA 20165


Jim Larkin specializes in serving the mortgage financing needs of licensed medical physicians, dentists, podiatrists, medical residents, interns and fellows, which include both medical doctors (MD) and doctors of osteopathy (DO) and doctors of podiatric medicine (DPM). Overall, Jim is exceptionally knowledgeable about all mortgage loan products and his 30+ years of mortgage experience matters when it comes to helping you choose the best option to meet your financial needs.

Jim's success over the years for his loan production and service has been attributed to his extensive mortgage background in both the existing real estate markets working with Realtors® and new construction working with a number of the top national homebuilders. A proven mortgage professional that always puts his clients first, Jim will make sure the mortgage process runs smoothly from loan application through closing.

Jim will listen to your specific needs, answer your questions and attend to your financial needs thoroughly and beyond. As a result of his award winning service, much of his business comes from repeat clients and recurrent referral sources that include past physician clients, Realtors®, physician recruiters, financial professionals, homebuilders and others.

Jim is a married father of two and an active member of his community. He has lived in the Northern Virginia area for the past 27 years and knows the local marketplace.

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, DPM), 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 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: Adams, Chester, Franklin, Lancaster and York.

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Investment and Insurance Products:

Are Not FDIC or any other Government Agency Insured   Are Not Bank Guaranteed  May Lose Value 

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