SunTrust Mortgage
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Kim DeMarco , Doctor Loan and Jumbo Loan Specialist Loan Officer








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515 King St. 2nd. Floor

Alexandria, VA 22314


As a proven mortgage professional for more than 20 years, Kim DeMarco always puts her clients first and will always make sure the mortgage process runs smoothly from start to finish. In addition to traditional mortgage financing solutions, SunTrust Mortgage is pleased to offer specialty financing programs for clients with unique borrowing needs, including The Doctor Loan and jumbo financing. Kim concentrates her efforts in helping to create unique mortgage options for licensed Medical Physicians and Dentists using the SunTrust Mortgage Doctor Loan Program described below. Kim also specializes in assisting buyers and homeowners with purchase and refinance jumbo loan options using SunTrust Mortgage Portfolio Loan Programs. For additional information about this popular loan product, please click on the Jumbo Financing link under Related Links below on the right.

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.

The Doctor Loan program is available in Alabama, Arkansas, California, Connecticut, Delaware, Florida, Georgia, Kentucky, Maryland, Massachusetts, Mississippi, North Carolina, Pennsylvania, Ohio, South Carolina, Tennessee, Texas, Virginia, West Virginia and Washington, D.C. The program requires a pre-existing depository relationship for properties in Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Michigan, Minnesota, Missouri, Montana, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Nebraska, Nevada, Oklahoma, Rhode Island, South Dakota, Utah, Vermont, Washington, Wisconsin & Wyoming. The program is currently not available for properties located in Alaska, Arizona, Hawaii and Oregon.

Both professional and detailed oriented, Kim wants to earn your business and strives to simplify the often complicated loan process. Kim is exceptionally responsive, provides excellent client service and will be with you from application to closing. As a seasoned Doctor loan specialist and Jumbo loan specialist, she looks forward to helping clients utilize our tailored programs.

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