SunTrust Mortgage
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Suzy Savod , Doctor Loan Specialist Loan Officer


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4777 Sharon Rd. 3rd. Floor

Charlotte, NC 28210


For over 20 years, Suzy Savod has specialized in the mortgage needs of Medical Residents, Fellows, Interns and Licensed Medical Physicians including MDs, DOs, as well as physicians with their DMD/DDS. Suzy has the resources to help physicians purchase or refinance a home while working around student loan debt and little to no money for down payment and closing costs.

As a Doctor Loan Specialist, Suzy is an expert on the unique challenges new doctors face as they navigate the housing market, graduate medical school, "Match," start residencies and fellowships and begin to practice medicine. Suzy and her team have closed over 100 million dollars in physician mortgages.

Suzy graduated from UNC-Chapel Hill and started working with physicians at UNC and Duke before expanding her client base throughout the country. After being told by so many physicians that they were having trouble qualifying for a mortgage because they did not have a current paystub, too much student loan debt or that they must wait until after they start their new positions to purchase a home, Suzy made it a priority to educate as many doctors as she could about The Doctor Loan Program.

Advantages of Doctor Loans:

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

For Licensed Residents/Interns/Fellows in MD, DO and DPM 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, DPM, 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 (residency or fellowship) experience are limited to maximum 89.99% financing. These Doctors need to be members of or belong to a practice that is part of SunTrust Private Wealth Management to be eligible for this product. This restriction does not apply to SunTrust Mortgage Doctor Loan refinances.

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). Other program and geographic restrictions may apply, please consult your loan officer for details.

Other locations may be considered provided the borrower has had a deposit relationship with SunTrust Bank for a minimum of 12 months prior to application.

Discuss with Suzy the following:

  • Need to qualify with student loan debt? As about your options.
  • Beginning a residency, fellowship or a new job practicing medicine and need to close on the purchase of a home before your employer start date? Let us work with you on a plan.
  • Finishing Medical School and preparing for Match Day? We can talk about how you may qualify for the Doctor Mortgage before stating your medical residency.

Please click on the "Testimonials" tab under "Related Links" below to read what previous physician loan clients have said about their experience with Suzy.

Please email Suzy at or call 866-810-4404 with any questions on the Doctor Loan Program or if you would like to be pre-approved to purchase or refinance a home under the Doctor Loan Program.

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