Tony Bikowski, NMLS #1018226

First National Bank Doctor Mortgage Loan

  • Physicians Program Highlights
  • 100% to 1.25 million
  • 95% to 1.5 million
  • 89.99% to 2 million
  • No Private Mortgage Insurance
  • Closing may occur prior to starting job with acceptable employment contract.
  • Tenured physicians over 10 years post residency limited to 89.99% loan
  • Reserves are 6 months for established physicians, 2 months for new

Open to Physicians with the following degrees: M.D., D.O., D.D.S., D.V.M., D.M.D., D.P.M. or others that require substantially similar degree in the medical sciences.

A start date within 90 days of settlement is acceptable with sufficient reserves or existing employment will continue to make the interim payments.

Applicants with new 1099 contracts are acceptable from Hospitals and Medical Institutions (no small private practices) but must have guaranteed minimum hours and Rate in the contract or offer letter.

Additionally, documentation must be provided to show who is responsible for the cost of malpractice insurance. If the borrower is responsible for MP insurance, that figure must be documented and added to liabilities. Income to be discounted by 10% to account for unknown expenses.

About Tony Bikowski, First National Bank Doctor Mortgage Loan

Tony specializes in residential mortgage financing for Physicians, Resident/Fellow Physicians, and Dentists, which include MDs (Medical Doctors), DOs (Doctors of Osteopathy), DPMs (Doctors of Podiatric Medicine), DVMs (Doctor of Veterinary Medicine) along with DMDs and DDS (including Dental Surgeons, Orthodontists and General Dentists). The Physician Loan / Doctor Loan Program offers up to 100% financing with no monthly mortgage insurance payments for fixed rate mortgages and ARM mortgages. Josh provides Physician Loans for clients throughout most of the Southeast United States. The Physician Loan / Doctor Loan program is available in Delaware, Georgia, Florida, Maryland, North Carolina, Ohio, Pennsylvania, South
Carolina, Tennessee, Virginia, Washington, D.C (Metro Area), and West Virginia.

Having been in the mortgage business for 35+ years, Tony is well versed in all aspects of mortgage lending. Whether you are a physician, veterinarian, dentist or orthodontist seeking the Doctor Loan / Physician Loan, a first-time home buyer, or an experienced buyer seeking to build your dream home or purchase a vacation home, Josh can assist you via our diverse offering of mortgage products.

For more information on our Physician Loan Program or the many other mortgage
programs we offer, please call 703-864-7282.

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