Physician Mortgage Specialist

Christopher Urti

Mortgage Banking Consultant  |  Physician Mortgage Loan First National Bank

“A true physicians-first approach to home financing — flexible underwriting, concierge-level service, and competitive pricing built around your medical career.”

Get Pre-Qualified Today

Lending in 14 States & D.C.:
Delaware • Florida • Georgia • Maryland • New Jersey • New York • North Carolina • Ohio • Pennsylvania • South Carolina • Tennessee • Virginia • Washington D.C. • West Virginia

About Christopher Urti

Christopher Urti serves as a Mortgage Banking Consultant at First National Bank, where he specializes in residential mortgage origination for medical and dental professionals. With deep expertise in physician home financing, Chris works with clients across the bank’s full lending footprint, guiding them from pre-qualification through closing.

Chris works with physicians (MD, DO, DPM — including residents and fellows), dentists (DDS and DMD), veterinarians (DVM), certified registered nurse anesthetists (CRNA), and other qualified medical professionals. First National Bank’s Physician Loan Program is built exclusively for medical professionals, designed around a true “physicians first” philosophy that combines flexible underwriting, concierge-level service, and competitive pricing tailored to the realities of a medical career.

Whether you are a resident approaching your first attending role, a fellow closing the gap before your start date, or an established physician looking to purchase or refinance, Chris provides personalized guidance every step of the way.

Eligible Medical Designations

MD
DO
DPM
DDS
DMD
DVM
CRNA

Residents and fellows are eligible. Student loan debt is treated favorably in underwriting, reflecting the real-world financial picture of medical professionals early in their careers.

Physician Loan Financing Tiers

720+ Credit Score — Primary Residence

100%
Financing up to $1.25 MillionNo down payment required
95%
Financing up to $1.5 Million5% down payment
90%
Financing up to $2 Million10% down payment

700+ Credit Score — Primary Residence

100%
Financing up to $1 MillionNo down payment required
90%
Financing up to $1.5 Million10% down payment

Second Homes

80%
Financing up to $1.5 Million20% down payment required

Construction Loans

85%
Financing up to $1.5 Million15% down required — single family only (condos and second homes not permitted)

Available Loan Products

●  30-Year Fixed
●  25-Year Fixed
●  20-Year Fixed
●  15-Year Fixed
●  10-Year Fixed
●  15-Year ARM (SOFR Index)
●  10-Year ARM (SOFR Index)
●  7-Year ARM (SOFR Index)
●  5-Year ARM (SOFR Index)

Key Program Details

Private Mortgage Insurance
No PMI Required
Seller Contribution
Up to 4%
Pre-Employment Closing
Close up to 90 days before employment start date
Gift Funds
Acceptable for down payment and closing costs
1099 / Contracted Income
Acceptable upon review of employment contract and financials
Tenure Requirement
10+ years post-training: 10% down required unless $750k+ in documented reserve assets
Eligible Property Types
Single Family, Low-Rise Condo (7 stories max), PUD, Townhome (fee simple)
Minimum Credit Score
700 (720 for top-tier financing)

Contact Christopher Urti
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InstitutionFirst National Bank
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TitleMortgage Banking Consultant
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Address6060 Rockside Woods Blvd., Suite 300
Independence, OH 44131
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Licensed InFL, MD, NC, OH, PA, SC, VA, DC, WV

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Program Highlights
✓100% financing up to $1.25M (720+ score)
✓No private mortgage insurance (PMI)
✓Residents and fellows eligible
✓Close up to 90 days before start date
✓Student loan debt treated favorably
✓Gift funds accepted for down payment
✓1099 and contracted income accepted
✓Construction loans available
✓Second homes eligible
✓Seller contribution up to 4%

Christopher Urti offers physician mortgage loan First National Bank with 100% financing, no PMI, and flexible underwriting for MDs, DOs, dentists, and veterinarians in 14 states.

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