Huntington Bank

Huntington Bank: IL, IN, KY, MI OH, PA, WV, WI  ( Other states may be available, please contact Loan Officer )

DOCTOR PROGRAM FEATURES:

-Medical doctors, dentists and Veterinarians with M.D, D.O., D.D.S or D.M.D degree and an employment contract, Medical Doctors including podiatrists and Ophthalmologists are permitted.

-1 to 2 unit Principal Residence, PUDS, Townhome and Condos           (Non-warrantable condos limited to 90% LTV )

-Up to 100% financing with no PMI for loan amounts up to $750,000

-Up to 95% financing with no PMI for loan amounts $750,001 to $1,250,000

-Up to 90% financing with no PMI for loan amounts $1,250,001 to $2,000,000

-Refinance options available:

-Student loans in deferment for at least 12 months excluded from debt to income ratio or if IBR can utilize income-based student loan payment calculator

-Available loan products:  30 Year Fixed, 15 Year Fixed,  15/1 arm, 10/1 arm, 7/1arm, 5/1 arm, 3/1 arm (Amortized over 30 years)

-700 Minimum Credit Score           ( Allowable to 680 with down payment of 5 to 10% depending on loan amount )

-Maximum DTI of 50%

-Closing may occur prior to employment start date with an acceptable signed contract and start date

-Gift Funds allowable, can be applied to down payment, closing costs or cash reserves

-No closing cost rate options available

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

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Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.

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