Citizens One Home Loans/Citizens Bank

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Citizens One

Program Details

  • Minimum credit score of 700 required
  • Available terms 15yr & 30yr fixed or 5yr, 7yr, or 10yr ARMs
  • Up to 95% financing to $850,000
  • Up to 89% financing to $1,000,000
  • 100% Financing is NOT available.
  • Over $1,000,000 approvals on case by case bases
  • Up to 85% LTV on construction permanent loans with one-time closing
  • Up to $600,000 for current Residents, Fellows, and Interns
  • 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
  • Available for licensed medical physicians, residents, researchers, interns and fellows(MD, DO, DMD, and DDS’s including dental surgeons, orthodontist, and general dentist) 

Physician loans are different animals. They have different rules and qualifying criteria.  No feeling is worse than not qualify 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.