SunTrust Mortgage
Leslie Francis Photo

Leslie Francis, Physician Loan Specialist Loan Officer

NMLSR#:414424

Phone Number

Phone

844.395.7012

Mobile Number

Cell

803.240.4710

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4727-D Sunset Blvd.

Lexington, SC 29072

About

With an extensive history as both a Private Banker and a Mortgage Banker, Leslie Francis brings a wealth of knowledge to her position. After 30+ years in the financial industry , she understands the importance of building relationships and takes pride in being an integral part of helping her clients reach their personal financial goals. Because Leslie understands the importance of selecting the right mortgage product, she works closely with her clients' financial planners and accountants to ensure that their mortgage loan structure is commensurate with their long term financial plans.

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 Program: financing designed to meet the needs of licensed medical physicians or dentists
  • Jumbo Financing: for homes requiring larger loan amounts

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 fifteen 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. Doctors out of training over 15 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, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC, CA, CT, TX, OH, MA, PA, KY)
  • 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

Whether you want to buy a house, build your dream home or refinance your existing mortgage, we can help you find the financing solution that's right for you. Leslie has experience in all types of loan programs and is always available to help you with your mortgage needs. A proven mortgage professional, her attention to detail will make your mortgage process run smoothly and easily.

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