SunTrust Mortgage
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Saad Chaudry , Doctor Loan and Jumbo Loan Specialist Loan Officer


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1966 Greenspring Dr. Suite 505

Timonium, MD 21093


Since 2005, Saad Chaudry has helped many people achieve their goal of homeownership. A lifelong resident of the DC-MD-VA area, Saad is known for his excellent communication skills, integrity, loyalty and exceptional knowledge of the mortgage industry. Whether you are purchasing, refinancing, building or need a home equity line of credit, Saad has a solid understanding of the local real estate market and what it takes to close your loan with efficiency and expertise.

Doctor Loan Specialist

Saad specializes in the residential mortgage needs for licensed medical physicians, residents, interns and fellows, which include MDs (Medical Doctors) and DOs (Doctors of Osteopathy) along with DMDs and DDS (including Dental Surgeons, Orthodontist and General Dentists). 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

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 downpayment may be required if the property is located in a declining market

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