Citizens One Home Loans

Physician mortgage lender citizens bank
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Citizens Bank

Program Details:

  • Minimum credit score of 700 required
  • 95% financing to $850,000
  • 89% financing to $1,000,000
  • 85% financing to $1,500,000
  • Up to $600,000 for current Residents, Fellows, and Interns
  • 100% Financing is NOT available
  • Over $1,500,000 approvals on a case by case bases
  • Available to MD, DO, DMD, and DDS’s including dental surgeons, orthodontist, and general dentist
  • Residents, researchers, interns, and fellows also eligible
  • Available terms 15 & 30-year fixed or 5/1, 7/1, or 10/1 ARMs
  • Construction permanent loans with one-time closing available
  • No Private Mortgage Insurance (PMI) required 
  • Can use employment contract income and close on your home 60 days prior to employment start date
  • Student loan debt not included in debt to income ratios
  • H1B Visa allowed

Physician loans are different animals. They have different rules and qualifying criteria.  No feeling is worse than not qualifying for the loan after you’re pre-approved. It makes for a REALLY bad day and a big mess. All of the loan officers listed on this blog specialize with doctors ONLY. They are battle tested, seasoned, and recommended by your peers. Give them a call!

Do you want a Physician Loan Specialist to contact you?  I’ve made it real easy. Drop your name and preferred contact method in the form on this page and I’ll let him know you’re looking for him.

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