Berkshire Bank


  • Fixed- and variable-rate options available: 30 Year Fixed, 15 Year Fixed, 10/6 ARM
  • Min FICO credit score 700
  • 100% loan-to-value (LTV) to $1 million
  • 95% loan-to-value (LTV) to $1.25 million
  • 90% loan-to-value (LTV) to $2 million
  • Max debt ratio 45%
  • No Private Mortgage Insurance (PMI) required
  • 1099 Independent Contractor for less than 12 months allowed
  • Projected Income is acceptable for qualifying purposes when a borrower is scheduled to start a new job within 90 days of loan closing.
  • Eligible for Primary Residence Only
  • Available for Single Family, Condominiums, and PUD (Planned Unit Development)
  • Reserves are required and the range from 2-6 months of your monthly mortgage payment
Available in the following states: CT, MA, ME, NH, NY, RI, VT
Borrower Eligibility: Medical, Dental, Veterinarian’s residents, Medical ,Dental, Veterinarian’s fellow who are currently employed in residency of fellowship. Practicing Physicians (MD, DPM, DO. OD), Practicing Dentists (DDS,DMD) Oral Surgeons, Veterinarians. Practicing doctors must be out of residency/internship/fellowship less than 10 years. Non practicing doctors such as those in academia or research are not eligible for this program.

All of the loan officers listed here specialize in working with doctors ONLY. They are battle tested, seasoned, and recommended by your peers.

I’ve made it real easy. Drop your name and phone number in the form below and I’ll let
him know you’re looking for him.
By contacting you certify that you are a medical professional or the spouse of one.
Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.
NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. Information and offers are subject to change without notice. All loans are subject to credit and collateral approval. Not all loans and products are available in all states.