Claudia Carr, Vice President, NMLS ID#680429

The Citizens Bank Doctor Mortgage Loan:

  • Citizens Bank Doctor Mortgage Loan is available for PHYSICIANS, DENTISTS, RESIDENTS and FELLOWS.
  • Borrowers must have completed fellowship or residency training within the last 10 years or currently be in (or accepted into) a residency or fellowship program.
  • Borrowers may also be self-employed or employed as a medical researcher.
  • Up to 95% financing for purchase loans to $850,000 / 89% to $1 Million / 85% to $1.5 Million.
  • No Mortgage Insurance Required.
  • Primary Residence Only. One Unit SFR, PUD, Condo and Co-Ops.
  • Refinance up to 89% financing and Construction to Perm financing up to 85% available.
  • Non US Citizens are eligible.
  • Can use employment contract income and close on your home 60 days prior to employment start date (Exceptions made up to 90 days on a case by case basis).
  • Student Loan Debt omitted in qualifying if deferred at least 12 Months following closing. Ability to use IBR and reduced student loan payments.
  • Seller Paid Contributions Allowed.
  • We also carry various fixed, adjustable and interest only rates on loans in excess of 2MM
  • Flexibility to Program Guidelines Available.

Eligible States Include

*Programs available may differ in certain states.

  • CA, CT, DC, DE, IL, IN, KS, KY, LA, MA, MD, ME, MI ,MN, MO, MS, NC, NH, NJ, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WV

About Claudia Carr

I love being a mortgage loan officer. There’s nothing more satisfying to me than working with clients to understand their financing needs and help them find a mortgage solution that’s right for them.

I understand this business well. As an active member of the builder and lending communities, I’m aware of the latest industry trends and changes. This knowledge, combined with my 23 years of mortgage experience, means that my clients can count on me to navigate their home buying journey efficiently.

In November 2015, Citizens Financial Group (NYSE: CFG) became a fully independent publicly-traded company, just over a year after the successful completion of the largest commercial bank initial public offering (IPO) in U.S. history. Citizens now embarks on a new and exciting chapter as we aspire to become a top-performing regional bank. We continue to be a leader in the Jumbo mortgage area for our Medical profession community.

As Vice President and 23 years of mortgage expertise, my job is to make the best products available for you to make an informed decision.

Citizens Bank offers products for just about any situation, and I’d appreciate the opportunity to find the right product for you. If you’re ready to get started on the application process or if you just want to explore your options, give me a call today.

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