SunTrust Mortgage
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Bob Watkins , Doctor Loan and Jumbo Loan Specialist Loan Officer


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980 Hammond Dr. Suite 600

Atlanta, GA 30328

1860 Jonesboro Rd.

McDonough, GA 30253

980 Eagle Landing Pkwy.

Stockbridge, GA 30281

2843 Panola Rd.

Lithonia, GA 30058


Bob Watkins is devoted to helping his clients experience a successful homeownership experience. He has a great deal of experience with first-time home buyers, move-up home buyers and investors, but he specializes in serving the mortgage financing needs of licensed medical physicians or dentists through the Doctor Loan Program. Bob also specializes in SunTrust's Jumbo loan products designed for those requiring larger loan amounts. Give Bob a chance to find responsible mortgage lending solutions to match your overall financial goals.

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, DPM), 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, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA)
  • 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

The Doctor Loan program is available only in Alabama (AL), Arkansas (AR), Delaware (DE), Florida (FL), Georgia (GA), Maryland (MD) , Mississippi (MS), North Carolina (NC), South Carolina (SC), Tennessee (TN), Virginia (VA), Washington, D.C., West Virginia (WV); and the following counties in Pennsylvania: Adams, Chester, Franklin, Lancaster and York.

We are very pleased to announce that we are further expanding available geography for our product offerings. For more information on the best Doctor Loan Program available, the Premier Jumbo Loan product or the many other mortgage financing programs we offer, please feel free to give Bob a call.

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