SunTrust Mortgage
Michelle White Photo

Michelle White , Doctor Loan and Jumbo Loan Specialist Loan Officer

NMLSR#:68987

Phone

855.375.4460

Cell

410.236.0935

Fax

410.308.1921

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1966 Greenspring Dr. Suite 505

Timonium, MD 21093

About

With more than 27 years in the mortgage business, Michelle White has experience with all types of mortgage products and specializes in providing financing for doctors or dentists utilizing our Doctor Loan Program. She has built a reputation in the medical community as a Doctor Loan Specialist by serving the financing needs of licensed medical physicians, residents, interns, fellows and graduating medical students. This includes MDs (Medical Doctors) and DOs (Doctors of Osteopathy). Dental surgeons, orthodontists and general dentists in practice are also eligible for the program (degree must be DMD/DDS). The Doctor Loan/Physician Loan Program features a variety of fixed and adjustable-rate mortgages with up to 100% financing and no monthly mortgage insurance payments.

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.

What you'll need to consider:

  • Loans are available in select states (AL, AR, CA, CT, DE, FL, GA, KY, MD, MA, MS, NC, OH, PA, SC, TN, TX, VA, WV and 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

Michelle also enjoys working with first-time home buyers. She and SunTrust Mortgage have lots of tools, technology and products to handle all your mortgage needs. Please feel free to give Michelle a call at 410.561.4395 to discuss the quality mortgage and bank products and services offered to you from SunTrust. The on-line application above is available to you 24 hours a day. Michelle looks forward to helping you.

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