SunTrust Mortgage
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Richard Ricci , Doctor Loan and Jumbo Loan Specialist Loan Officer








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12929 Atlantic Blvd.

Jacksonville, FL 32225

9890 Hutchinson Park Dr.

Jacksonville, FL 32211

3720 South Third St.

Jacksonville Beach, FL 32250

13728 Beach Blvd.

Jacksonville, FL 32224


Since graduating with a business degree from the University of Florida, Richard Ricci has made mortgage lending and quality of service his passion. Richard is a Vice President, Producing Sales Manager and Loan Officer who has won several awards based on production and customer service throughout his 12+ years at SunTrust Mortgage. These awards include the Performance Excellence Award, the Gold Award, multiple Top Service Quality Awards and multiple Chairman's Team Awards. Even though Richard specializes in SunTrust's industry leading Doctor Loan program (see details below), he is also an expert in all types of mortgage loans, including conventional, VA, FHA, Jumbo and new construction.

Basic courtesies in customer service seem to be disappearing in our modern workplace, but if you want someone who will always return your calls, continually keep you apprised of the progress and details of your mortgage and will always be available to work on your best interests, then Richard is the loan officer to call. Please apply online or give Richard a call to start the process today.

Doctor Loan / Physician Loan / Resident Loan / Dentist Loan / No PMI

Advantages of Doctor Loans:

  • Fixed or adjustable-rate options
  • Up to 100% financing and no monthly mortgage insurance payments (No PMI)
  • Competitive Pricing

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
  • No PMI

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 ten to fifteen years post training experience are limited to maximum 89.99% financing
  • Program is available in AL, AR, CA, CT, DE, FL, GA, KY, MA, MD, MS, NC, OH, PA, SC, TX, TN, VA, WV and DC. For eligibility in additional states see footnote below

* In some states, the Doctor Loan product requires a pre-existing depository relationship and is not available for properties located in Alaska, Arizona, Hawaii and Oregon, contact your loan officer for details. This product is available to licensed Residents, Interns, Fellows in MD, DO and DPM programs and licensed Physicians and Dentists (MD, DO, DPM, DDS, DMD) who have completed their training within the last fifteen years, Doctors with equal to or over fifteen years post training need to be members of SunTrust Private Wealth Management or belong to a practice that is part of Private Wealth Management to be eligible for this product. Fifteen year restriction does not apply when refinancing an existing SunTrust Doctor Loan. Other program restrictions may apply, please consult your loan officer.

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