Tom Callahan, Doctor Loan Specialist, Loan Officer

SunTrust Mortgage, Inc

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Tom Callahan, Doctor Loan Specialist, Loan Officer

SunTrust Mortgage, Inc

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76 S. Laura St.

Jacksonville, FL 32202

4489 Town Center Pkwy.

Jacksonville, FL 32246


The Facts - Created with the Medical Community in mind!

The Doctor Loan / Physician Loan / Dentist Loan / 100% / No PMI and the SunTrust Medical Professional Mortgage

"Team - Callahan" encourages you to click "Apply Online" to the left and then on "Apply Now" on next page at top left, create a quick User Name and allow us to make it happen!


  • Fixed or adjustable-rate options
  • Up to 100% financing and no monthly mortgage insurance payments (No PMI)
  • Favorable repayment terms provide flexibility to meet your financial reality
For licensed residents/interns/fellows in MD, DO, DPM, DDS, DMD programs:
  • Maximum of 100% financing for purchases and rate/term refinances
  • There is a maximum loan amount of $750,000
  • No PMI

For practicing physicians and dentists (MD, DO, DPM, DDS, DMD):

  • 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
  • No PMI
  • Note: practicing physicians with over ten years post training experience are limited to maximum 89.99% financing. Subsequent time spent as a professor 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
  • ARMs 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 SunTrust Doctor Loan program is available in Alabama, Arkansas, Delaware, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, Washington DC, West Virginia and following counties in Pennsylvania: Adams, Chester, Franklin, Lancaster and York.

Other locations: Doctor Loans may be considered provided the borrower has a deposit relationship with STB for minimum 12 months prior to the application date. Call Tom 7 days a week for discussion on this topic.

Special addition: Tom also specializes in the SunTrust Medical Professional Mortgage, a loan product designed especially for workers in the medical community. This includes Physician Assistants, RNs, Speech & Occupational Therapists and Dental Hygienists. Call for details on this outstanding offering.

Tom specializes in residential mortgage needs for licensed medical physicians, residents, interns and fellows, which include MD (Medical Doctors), DO (Doctors of Osteopathy). The program is also available for dentists with DMD/DDS (Doctors of Dental Medicine-Dental Surgeons, Orthodontists and General Dentists). The SunTrust Doctor Loan Program features a variety of fixed rate and ARMs with up to 100% financing and no monthly mortgage insurance payments. As Physician Loan Experts - Team Callahan has closed over the past 15 years of his 32 year career in excess of $782 Million in mortgage loans for Physicians, Doctors and Dentists. The team focuses on treating each client as if he or she were their only client.

Tom is VP/Senior Mortgage Officer who works with a full spectrum of home buyers as well. He and his team have 32 years of award winning production and has become the loan expert of choice for many Realtors® in our country. So whether you are military, civilian or first-time home buyer, you too can count on Tom to deliver excellent service and communication 7 days a week.

We are grateful for the opportunity to assist you and your family with the most important purchase decision in one's life time!

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