CONTACT INFORMATION: Hunter Finley – Sr. Mortgage Loan Professional NMLS #: 950092 Website 916-302-6408 HFinley@WintrustMortgage.com
The Wintrust Doctor Mortgage Loan is available in California, Arizona, Florida, Minnesota, Montana, Iowa, Indiana, Illinois, Wisconsin and North Dakota.
- MD, DO, DPM, DDS, DMD, Oral Surgeon, chiropractor, pharmacist, veterinarian, fellows, and those exiting residency within 6 months with new attending contract
- 0% down to $850,000 loan amount
- 3% down to $1.25mm loan amount
- 5% down to $1.5mm loan amount
- 10% down to $2.0mm loan amount
- 20% down to $3.0mm loan amount
- 2 months reserves required up to $850k loan Amt
- 6 months reserves required up to $1.5mm loan Amt
- 9 months reserves required over $1.5mm loan amt
- No PMI
- Gift funds allowed
- Primary residence only
- Single family, townhome, condo
- 2 unit up to 97% LTV
- Purchase and rate/term refinance
- Can close up to 90 days prior to start date
- New 1099 employment less than 2 years allowed with contract income
About Hunter Finley, Wintrust Doctor Mortgage Loan
With over 21 years in the lending industry, I’ve spent the last 7 years specializing in helping the medical field with their home financing. My team has closed over $750mm in funded physician loans over the past 7 years primarily focused on purchase transactions. Understanding the value and at times rigorous schedule that your professions carry, my team and I pride ourselves on being available to you at off hours and weekends, and being extremely efficient as we know how valuable your time is.
Wintrust Mortgage offers a very competitive medical loan program designed for MD, DO, DPM, DDS, DMD, Oral Surgeon, chiropractor, pharmacist, veterinarian, fellows, and those exiting residency. Please call, text, or email me at any time and I will do my best to get back to you as soon as possible for a quote, consult, or answer any questions you might have. I would appreciate the opportunity to earn your business and I look forward to helping you during your home buying or refinancing process.
Why the Wintrust Doctor Mortgage Loan?
Doctor mortgage loans are important because they address the unique financial challenges faced by medical professionals, such as doctors and dentists, who often accumulate significant student loan debt during their lengthy education and training. These specialized loans typically offer more favorable terms, including lower down payments and reduced mortgage insurance requirements, making it easier for healthcare professionals to become homeowners and establish stable residences in the communities where they work. By recognizing the earning potential of these individuals once they complete their training, doctor mortgage loans facilitate home ownership and provide a pathway to financial security, allowing medical practitioners to focus on their essential work in healthcare without the burden of traditional mortgage constraints.