SunTrust Mortgage
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John Hester , Doctor Loan and Jumbo Loan Specialist Loan Officer








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1979 Eastwood Rd.

Wilmington, NC 28403


Meet John:

For over 27 years, John Hester has worked with a full spectrum of home buyers including Medical Residents, Fellows, Interns and Licensed Medical Physicians including MDs, DOs, as well as physicians with their DMD/DDS with their unique home financing needs. Whether you are active duty military, civilian, a seasoned investor or a first-time home buyer, you can count on John to deliver excellent service and communication.

Ask John about:

  • Last year of medical school and waiting for match day? We can discuss your eligibility under this program.
  • Qualifying with student loans? We understand and can help.
  • Starting a new job and need to find a house? Let us help you plan.

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, DO and DPM 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, DPM, 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 but less than fifteen years post training experience are limited to maximum 89.99% financing and must have a debt-to-income ratio that does not exceed 43%. Subsequent time spent as a teaching attending or in a fellowship/residency program doesn't count in this ten to fifteen year period.

What you'll need to consider:

  • Loans are available in select states (Alabama, Arkansas, California, Connecticut, Delaware, Florida, Georgia, Kentucky, Maryland, Massachusetts, Mississippi, North Carolina, Pennsylvania, Ohio, South Carolina, Tennessee, Texas, Virginia, West Virginia 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

Buying a New Home from a Builder?

Everyone has dreamed of owning a brand new home. Whether you are selecting a home in a new development or interviewing builders that offer custom build turnkey sales, we offer options that will help both you and your builder relax with our extended rate locks.

  • Doctor Loan: lock a fixed or adjustable rate loan for 6 months, 9 months or 12 months.
  • VA, conventional, or FHA (at or below the conforming loan limit): lock a fixed rate loan for 6 months, 9 months or 12 months
  • What if rates drop after your lock? Ask John about your options to Float Down under the extended lock options.

Call John anytime for more details.

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