Citizens Bank

Citizens Bank: CT, DC, DE, IL, IN, KY, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WV, GA, KS, LA, MS and MO


• Up to 95% financing with no PMI for loan amounts up to $850,000
• Up to 89% financing with no PMI for loan amounts up to $1M
• $1.5M maximum loan amount (85% LTV)
• Student loan debt deferred for at least 12 Months excluded from debt-to-income ratio OR if on IBR – can use IBR pymt
• Construction-to-permanent financing eligibility – maximum 85% financing
• Primary residence only
• PUDs and Condos
700 Minimum Credit Score –Doctor Loan only
LTV < 90% maximum DTI is 43%
LTV >/= 90% maximum DTI is 40%

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

Anne Swane (NMLS# 697239)
[email protected]
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Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.