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We do not permit advertising, however we understand that many companies would like to be able to inform our members about the basics of how financial services function.

Here is how to stay within bounds:
  1. If you are affiliated with a product line or service, post your affiliation in this thread before posting anywhere in this forum. You may include contact information in this post ONLY. You are not allowed to put contact information in any other posts or in your signature. This applies to ALL NON STUDENTS/RESIDENTS/PRACTICING HEALTH PROFESSIONALS.
  2. Members that suspect another member of an undisclosed affiliation, please use the 'report' button.
  3. To advertise your product or service for free at SDN, go to the Classifieds section of the forums.
Members that do not post their affiliation will:
  • have their account banned
  • have the name of their service publicly listed as a banned product at SDN
  • possibly face further actions including but not limited to: reporting to higher management within your organization or to industry associations
Members don't see this ad.
 
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My name is Molave Estigoy. I am an independent Wealth Planner affiliated with MILI Group (www.miligroup.net).

I hold the licenses of Life Agent, Real Estate Agent and Mortgage Officer.

Thank you,
Molave


:):):):)
 
Hi Everyone,

My name is Ricardo, with Doctor Loan USA, and I just wanted to say hello and introduce myself. I found this forum on Google and saw a lot of people had questions about where to find lenders that cater exclusively to doctors and residents.

So, I'm here to offer my expertise and hopefully help people get a great deal on doctor loans. We specialize in connecting residents and practicing MDs with lenders who have programs that will save them money.

Feel free to ask questions and I'll do my best to answer them! http://www.doctorloanusa.com

Best,

Ricardo
 
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Members don't see this ad :)
Logo-DCardlogo.gif


We are a Full Practice Management Consultant Firm. My name is Deanna Bishop, I am the Chief Executive Officer and we are locally owned and operated right here in Wichita, Kansas. We offer many services that would help any practice or physician to help their practice to succeed. See classifieds to learn more about us. If anyone has any questions don't hesitate to ask.

I am also a 2nd year RN Student just recently arrived from New York. My financee has been here all of his life. I look forward to making Wichita my home. Been a medical technician for 8 years, Medical Office Administrator for 3 years, and Business Manager for 12 years.

Over the years I have been doing medical billing for my employers for 7 years and have learned extensively how to handle any situation. As your personal Full Practice Management Consultant, I will help you and your practice succeed.

​
 
My name is Tucker Lemm- I am a mortgage specialist with Bank of America and I deal primarily with the doctor loan program for residents and doctors. I live in Portland Oregon with my wife and daughter, and soon to be son. I have been in the mortgage business for 5 years and love helping people become home owners. If I can benifit this forum in anyway, it is my pleasure.
 
My name is Vito Roppo with BofA, I am here to answer any questions and give advice to those who are looking to purchase or refinance a home. I work with many doctors who are looking for our No Money Down Doctor Loan. Thanks.
 
My name is Michael Loomis. I am a real estate Agent in Cleveland Ohio. My wife is a resident so I know what you are going through with the decisions to buy or rent etc.

More applicable to all the members of this site I run a referral service that connects medical professionals with real estate agents all over the country. We want to ensure that medical professionals who are buying houses, renting and relocating have all the help they need to make good decisions.

Our website also has tools and tips for home buying.

Michael Loomis
www.medresreal.com
 
My name is David Hager and I am a loan officer with Compass Bank specializing in Physician's Loans. Our 100% financing program is designed exclusively to meet the needs of physicians for pruchase of their primary residence. Our loans go up to $1,000,000 and there is no PMI.

Please contact me with any questions you may have.

[email protected]
 
My name is Todd Martin and I'm a loan officer with SunTrust Mortgage. Our doctor loan is 100% financing even in a declining market with a maximum loan amount of $1,500,000 with NO MI. This is available for both purchases and refinances. Please contact me with any questions.
 
My name is Matt Albert (NMLS#658999) and I am a Physician/Doctor Loan Specialist with SunTrust Mortgage. I have been specializing in physicians for over 11 years. I am consistently ranked as not only a top producer within our company BUT I also have extremely high customer service scores year in and year out which shows my commitment to my clients as well as my understanding of our Doctor Mortgage Loan. I look forward to answering questions and helping readers in any way possible.

Matt Albert, NMLS# 658999
Vice President / Physician Loan Specialist / Mortgage Loan Officer
SunTrust Mortgage, Inc.
Chairmans Club- 2011
Presidents/Gold Club- 2011,2012,2013
Mail Code NC-Greensboro-0391
628 Green Valley Road, Suite 101
Greensboro, NC 27408
Office: 336.412.5333
Fax: 336.373.5159
Mobile: 336.471.1825
http://www.suntrust.com/matthew.albert
 
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David Benson a.k.a Dr. Banker!!! How are you doing, buddy? I guess B of A did not work out, ha?

A WORD OF WARNING FOR EVERYONE: Loan Guru is a reincarnation of known banned spammer Dr. Banker. A few residents on this forum got taken by this guy (bait-and-switch interest rates, etc.).

Look at this thread:
http://forums.studentdoctor.net/showthread.php?t=192787&highlight=do+-use+bofa

Welcome back, David!


Loan Guru said:
My name is David Benson and I work for SunTrust Mortgage. I have been specializing in helping residents and physicians with home loans for the past 8 years. I understand the issues that are unique to your profession. Such as student loan debt, employment contracts, and residency start dates.

With the help of SunTrust's Physician Mortgage program I am able to offer unparalleled programs that are only available to doctors. No PMI, up to 100% financing, and we do not count the student loans into the qualifying ratios!

If you are looking to purchase or even refinance and have questions, do not hesitate to contact me.

E-mail: [email protected]
Click to expand...
 
Victoria J. Powell, JD, LLM (taxation) own company, P Inc. www.pinc.me, lots of companies I buy from, some on website, but I shop all the time for new ones. Independent. Daughter of pathologist, sister to dermatologist and epidemiologist, married to neuroradiologist for 28 years, specialize in avoiding taxes and losses, know most of the tricks of the trade about insurance and investments: show me the deal and I can show you how they are making money on you.
 
We run small value investment fund based in DC metro area. You can check out www.ChainStreet.com for more information. We strictly buy the business when we think it is selling below our conservative estimate of true worth. We focus on long term growth and try to minimize the permanent loss of capital.

We do not do tax, estate planning and any other things because we feel we are only good at growing capital in long term so we stick to it.

I will encourage to check out below listed three pages. If you read when you have 30-40 minutes to spare. There is good chance that you will learn something new,

http://www.chainstreet.com/?page_id=230 ( describes the issues related with mutual funds)

http://www.chainstreet.com/?page_id=172 ( explain in simple language the difference between speculation and investment)

http://www.chainstreet.com/?page_id=198 ( talks about the investment framework)

You can ignore other pages and read only above three if you are simply reading this to learn about the investment process and not looking for a investment manager. Other pages don't have anything educational.

Note to admin: I was member of this forum before becoming affiliated with ChainStreet Capital. Since I am coming back here after long time, I decided to put the corporate affiliation here but I will be mainly interacting with fellow members for normal exchanges only.
 
Members don't see this ad :)
I am now a loan officer for Regions Bank in Dallas, TX. Our Professional Program covers Physicians and Dentists. No Down, No PMI up to $650,000, and up to $750,000 with 5% Down. The most popular program is the 10/1 ARM, which is a fixed rate for 10 years. We do this loan in 16 states. New residents can close prior to starting.

Contact me for details on programs, rates, guidelines.

Bill Merritt
[email protected]

I
 
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I am a Physician Loan Specialist with Fifth Third. I offer a home loan for life's heroes. No Down Payment, No MI AND we will pay part of your first year's mortgage payment on fixed rate mortgages under 417K! Very flexible underwriting with outstanding rates! check out www.dochero.com for more information.
 
CompassMBO said:
I am now a loan officer for Regions Bank in Dallas, TX. Our Professional Program covers Physicians and Dentists. No Down, No PMI up to $650,000, and up to $750,000 with 5% Down. The most popular program is the 10/1 ARM, which is a fixed rate for 10 years. We do this loan in 16 states. New residents can close prior to starting.

Contact me for details on programs, rates, guidelines.

Bill Merritt
[email protected]

I
Click to expand...
Well, Regions just didn't fulfill my expectations and I have gone back to Compass. 5% Down up to $1 Million. Higher loan amounts possible with more down payment. Middle score must be 700+. Seller can pay all closing costs/prepaids. Funds for DP can be gifted.

[email protected]
 
My name is Josh Mettle and at http://www.utahphysicianhomeloans.com we specialize in Physician Home Loans. In addition to offering loans in Utah, we also offer loans in California, Arizona and Nevada.

We are unique in that we offer solutions and service. We have specially trained underwriters, processors and originators who underwrite to the exact specifications that address the different issues and challenges that physicians have when getting a home mortgage.

We ask the right questions up front, get the correct documentation up front, and make the process as easy and stress free as possible. I'd love to answer any questions you may have, so feel free to contact me - [email protected].

We have lots of very short videos answering the questions doctors often ask about IBR, contracts and other common concerns, so please watch those. Also, when you visit our site, be sure and check out our testimonials from doctors. I look forward to hearing from you.
 
Hello –

My name is Michael Relvas and I am a Certified Financial Planner™ based in the Washington DC Metro area. While I provide overall financial planning services, most of my work with physicians begins with their disability insurance. I run a fairly sizable disability insurance website that includes a buyer's guide specifically structured to help physicians with purchasing individual DI. I work with a number of insurance companies including: MetLife, Guardian, Principal, Standard, Union Central and MassMutual. My compensation comes from the insurance companies and there is no additional cost for clients to work with me vs. other providers.

I have participated in a decent number of discussions on this forum relating to disability insurance, which should already be fairly resourceful. However, I am open to receiving private messages, emails or phone calls. I can be reached at 800-817-4522, or [email protected]

To view my disability insurance website, visit physicians disability insurance.
To learn more about other services provided, visit www.mrinco.com.
 
My name is Edward Musleh; I am an Independent Registered Investment Advisor, Insurance Broker and Financial Planner who has specialized in the Medical Profession for the past 26 years. My firm (Musleh Financial Services) is a full service Financial Planning Organization designed to meet the unique needs of Medical Professionals. Our mission is simple: to design and implement sound financial plans engineered to meet your goals and dreams with minimal risk. This can only be accomplished through ongoing communication and a relationship built on trust.

Even though we represent over 1000 physicians nationwide for the full gamut of financial products and services, we take great pride in providing students, residents and fellows the same professional services our tenured clients have come to expect. To prove this point we developed a website called Income Protection Specialist.com with the ultimate purpose of educating young professionals about the vital protection of Disability Insurance. As independent brokers we represent all of the top carriers such as, Metlife, Guardian, Principal, Standard and Mass Mutual just to name a few. We encourage you to visit our site at:

http://www.incomeprotectionspecialist.com/

I welcome the opportunity to answer any and all questions you may have regarding any financial matter. Please feel free to email me directly at, edward.musleh1@gmail.com . Thank you for reading.

Sincerely,
Edward Musleh
CEO/Founder
317-873-9595 office 317-432-1629 cell eastern time zone
 
I offer a financial analysis service that helps people buying their first home or investing in property determine what their return on investment (ROI) will be and how much they will be paying or earning every year from the property. Do you know what all the property costs and financial implications will be of holding property? If you're investing, what is the expected ROI and is it worth it?

I do the financial analysis for you and help you to uncover property costs so you can avoid investing in money pits.

I'm not a realtor or a broker. I do not get commissions. I'm a professional who likes to help people when making one of the most important decisions of their life. I can get you started for $125 (current promotion).

Visit and contact me on www.knowyourroi.weebly.com for more info.

Best of luck!
 
Eyefixer said:
David Benson a.k.a Dr. Banker!!! How are you doing, buddy? I guess B of A did not work out, ha?

A WORD OF WARNING FOR EVERYONE: Loan Guru is a reincarnation of known banned spammer Dr. Banker. A few residents on this forum got taken by this guy (bait-and-switch interest rates, etc.).

Look at this thread:
http://forums.studentdoctor.net/showthread.php?t=192787&highlight=do+-use+bofa

Welcome back, David!
Click to expand...
I agree with your comments 100%. Thank you for sharing this info with other doctors. This guy shouldnt be able to represent doctors. I found an online where you can put reviews for him also

http://ezlocal.com/contribute/reviews/form-login.aspx?PID=325153&rev=1&PS=1
 
We help physicians relocate nationally. Our mission is to provide emerging physicians with the knowledge and resources to purchase primary residences utilizing maximum leverage to achieve excellent returns on their investment.

We provide physicians nationwide with expert real estate and relocation advice through an established network of educated, experienced, successful Realtors® and Mortgage Bankers.

We have solid, working relationships with mortgage bankers providing up to 100% financing. We work with national banks, regional banks and credit unions to provide loans to physicians that desire the best financing that provides maximum leverage.

Chris Grubb
Founder / CEO / Principal Broker
Physician Relocation Specialists
(503) 675-8555 - Direct
[email protected]
http://www.physicianrelo.com
https://www.facebook.com/physicianrelo
 
Litovsky Asset Management offers comprehensive retirement plan advisory and investment management services. We specialize in setting up and managing retirement plans including 401(k) and Defined Benefit/Cash Balance for solo and group medical and dental practices, and we serve in an ERISA 3(38) fiduciary capacity. Our compensation is strictly flat/fixed fees and we do not charge any asset-based fees or have portfolio minimums. We always act as fiduciaries in the best interest of our clients.

Konstantin is the founder of Litovsky Asset Management and an engineer by training. He applies his extensive analytical and modeling skills to help his clients develop strategies to plan and minimize tax liabilities using retirement plans and to implement prudent investment strategies using low cost index funds. Konstantin provides the best value to his clients by considering all aspects of his clients’ retirement plan needs.

Konstantin can be contacted by:
Phone: 508.292.8380
Email: [email protected]

Follow on Dentaltown
Read on Dentaltown Magazine
Read on White Coat Investor

For more information about our philosophy and services please visit our blog:
Medical & Dental Practice Retirement Plans: Blog by Konstantin Litovsky

Konstantin Litovsky, Principal
Litovsky Asset Management
Email: [email protected]
Web: Retirement Plans for Dentists & Physicians | Litovsky Asset Management
 
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My name is Lawrence Keller. I am a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Physician Financial Services (www.physicianfinancialservices.com)., a company dealing exclusively with the financial needs and concerns of members of the medical profession.

I have spent the last twenty three years providing disability and life insurance products and services to resident, fellow and attending physicians.

I continuously conduct seminars dealing with issues such as income protection, wealth accumulation and asset protection. I have been quoted in Medical Economics Magazine, and have written articles for several medical publications which include the following: Young Physicians’ Magazine, EM Resident (The newsletter of the Emergency Medicine Residents’ Association), The Bulletin of the American Academy of Otolaryngology - Head and Neck Surgery, The Bulletin of the American Academy of Orthopaedic Surgeons, EyeWorld (A publication of the American Society of Cataract and Refractive Surgery), The Med-Peds News (The official newsletter of the National Med-Peds Residents' Association), General Surgery News, M.D. News Chicagoland Edition, Plastic Surgery Practice , Physician License & Practice Today, The Physician’s Personal Advisory, Oncology Practice Management as well as the American Academy of Dermatology's Young Physician Focus and Directions In Residency. Additionally, I contributed to the books Orthopaedic Residency And Fellowship: A Guide To Success, The Business Of Plastic Surgery: Navigating A Successful Career, The Doctor's Wealth Preservation Guide, Wealth Protection M.D. and The American Urological Association's Practice Management Tips. I am also the author of PLAN FOR SUCCE$$, a guide to financial management, published by the American Society of Plastic Surgeons.

I am a frequent contributor on www.whitecoatinvestor.com and will be happy to answer any disability insurance, life insurance or financial planning related questions you might have. I can be reached at (800) 481-6447 or by email to [email protected]. I will also accept private messages.

Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF
 
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My name is Derek Tharp. I am an independent financial planner with Mote Wealth Management and I work with many medical professionals.

I hold a master's degree in financial planning and I am also currently pursuing my PhD in personal financial planning. I have been quoted in many financial publications including the Wall Street Journal, New York Times, InvestmentNews, and Investor's Business Daily.

I am happy to answer any financial planning questions. I can be reached at (319)393-4020 or by email at [email protected].
 
My name is Brian Anderson and I am a licensed agent in Wisconsin. I specialize in First Time Home Buyers, and also in facilitating transactions utilizing the Physician Loan Mortgage. I have over 8 years of real estate experience, and First Weber is the leading real estate brokerage in Wisconsin.

My wife (PGY1) and I used the physician loan to purchase a property, so I not only recommend it, but have used it myself.

Even if you are not relocating to Wisconsin, I would be happy to answer any questions or concerns anyone has, just PM me or give me a call 715.207.5584

Brian Anderson
715.207.5584
www.briananderson.firstweber.com
 
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My name is Anil Virani and I work for a private investor. Please see below for benefits of working with us:

Up to $150,000 –
no hard collateral required

No up-front fees

Comfortable terms –

84 months across the board

Potential tax write off

use of funds:

Debt consolidationIncreased operational cash flow Expansion & improvement Emergency cash reserveThe choice is yours!

If you are interested, please email me at [email protected]
 
Thank you for the opportunity to post on this forum. My name Sergio Estavillo with Sigma Financial Solutions, Inc. As an Enrolled Agent, I'm licensed by the U.S. Department of the Treasury as a tax professional and have unlimited practice rights before the IRS. Combined with my extensive experience in student loans and debt management, I can provide guidance concerning tax and debt management related matters.

Thanks for the consideration.
Sergio
[email protected]
https://www.facebook.com/sigmafinancialsolutionsinc
 
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My name is Scott Nelson-Archer, I own a firm MD Financial Services. I started the company in 1993 and we specialize in working with Physicians on their Disability Insurance at discounted rates, Life insurance benefit allocations and Retirement Solutions. We have offices in Houston, Dallas, Denver and then about 45 affiliated offices around the country from which to serve our clients regardless of their location. In addition I am also a Chartered Financial Consultant and routinely speak at different meetings around the country on Own Specialty Disability Insurance. As of today May 8, 2014 there are currently 7 carriers that have a true own occupation definition for disability insurance, they are Mass Mutual, Standard, Ameritas, Principal, MetLife, Guardian, and Ohio National. We are licensed and conduct business with all of them. If you would like to have a quick and private conversation about you and your situation please message me.

Regards,


S. Scott Nelson-Archer, CLU, ChFC
M. D. Financial Services, Inc.
713-966-3930 Phone
713-966-3931 Fax
[email protected]
www.MDDisabilityquotes.com
"Every Doctor and Dentist is Entitled to Deeply Discounted Own Occupation Disability Insurance, if you are a Physician, Surgeon, or Dentist and you are buying Disability Insurance that isn't Discounted, then you are working with the wrong agent."
 
My name is Matt Albert and I am currently a Loan Officer/ Physician Loan Specialist with Charter One/RBS Citizens (NMLS# 658999). I have been specializing in exclusive financing for physicians for the last 12 years and am currently able to offer an excellent program for licensed medical physicians, residents, interns, and fellows; including MDs (Medical Doctors), DOs (Doctors of Osteopathy) along with DMDs and DDS (including Dental Surgeons, Orthodontist and General Dentists).
Through Charter One, I am able to provide a variety of fixed and adjustable-rate mortgages with up to 95% financing on loans up to $850,000, and 89% to $1,000,000. We also offer 89% financing on construction permanent loans with a 12 month lock as well as a onetime closing. These programs require no monthly mortgage insurance and exceptions ARE possible. The Doctor Loan is offered in the 22 states below:
· Connecticut
· Delaware
· Illinois
· Indiana
· Kentucky
· Massachusetts
· Maryland
· Maine
· Michigan
· North Carolina
· New Hampshire
· New Jersey
· New York
· Ohio
· Pennsylvania
· Rhode Island
· South Carolina
· Tennessee
· Virginia
· Washington, D.C.
· Vermont
· West Virginia
Should you have any questions OR if you would like to become prequalified, please contact Matt Albert at (336) 471-1825 or [email protected] .
Thank you for the opportunity to earn your business!
 
My name if Rocky Lalvani, I am a financial coach. You can find me at www.richersoul.com. I help you overcome yourself to achieve the financial freedom you want to have. I don't pick stocks or make investment advice. What I do is help you to create and execute your specific financial plan to achieve financial freedom.
 
My name is Daniel Wrenne and I am a financial planner to young physicians. My firm, Wrenne Financial Planning, is not your typical financial services firm. We are fee-only (fiduciaries all the time) focused on financial planning & advice. We don't sell product and charge flat fees for our advice on monthly subscription basis (like a personal trainer).

Our website: www.wrennefinancial.com
My email: [email protected]
 
Hi, I'm new to the forums and don't want to step on any toes. My name is Jeb and I'm a financial planner who specializes in working with students in medical school, pharmacy school, and PA school. Although I practice comprehensive financial planning, I find myself focusing on debt management with those in the medical field because that is where many new graduates need the most help.

For those who are interested, I offer both hourly planning as well as a retainer based service.

www.jebjarrell.com
www.facebook.com/jebjarrellcrpc
 
I am a practicing anesthesiologist with a blog on financial independence, early retirement, and physician issues called PhysicianOnFIRE. I have done very little to monetize, but there is that potential. Half of any proceeds will be donated to charity.

I have nothing else to disclose.
 
Question to mods here

If ads are banned then

1. how come White coat investor has a post on this forum advertising his book?
2. Can one have link to their website in your signature ?

Just wondering what exactly are the policies
 
My name is Colt Badger and I am a Loan Originator with Cadence Bank in Texas. We offer up to 100% financing for Physicians, Dentist and Pharmacists up to $1,000,000.00 with qualified income. The mortgage game has changed with most lenders (including us) considering student debt in your ratios. I would love to help anyone in Texas out with your mortgage. We offer great rates, no MI and have the ability to work with nonstandard incomes when necessary. Shoot me a call, text or email at any time if you have questions.

Phone:832-372-8262
email:[email protected]
 
Hello,

I am currently board certified in family medicine and have been an independent contractor for one year. I am currently working in a small 50+ bed hospital as the ER/hospitalist physician. I have recently decided to start my own website a week ago call passiveincomepromoter.com. It is a website about creating your own sources of passive income. I currently have pages about how to get started with creating passive income, why should you have sources of passive income, what is wealth, investments, and posts reviewing how to make money from home and a review of SoFi for student loan refinancing and personal loans (this is where I refinanced my loans).

I wanted to share my journey with you including my first sources of passive income, refinancing my student loan, reasons to be an independent contractor (including tax advantages), decision on retirement accounts, how to set up your own website, and where to invest your money.

While the website does have some affiliate links I want to use it more to discuss my journey to create passive income as well as financial stability and to answer any questions you might have. I will use the website to review different entities.

While it is a new website I plan to add more content soon.

Please check out passiveincomepromoter.com and leave you feedback and comments.

Andrew DO, MPH
www.passiveincomepromoter.com
 
Hi I am not related with any companies, I am willing to post a financial article can I post it here? By my work I am a Unani physician and an Ayurveda therapist.
 
Hi! I’m The Millennial Advisor. I write about finance, specifically the issues that are facing millennials such as student loans, managing consumer debt, maximizing job benefits, and saving for retirement.

You're probably wondering what makes me qualified to talk about personal finance. In my day job I'm a financial advisor with a large, national firm. I've been in the financial services industry since 2013 and have worked with a variety of clients. One of my biggest issues with my industry is that we only work with clients who already have sizable assets. This excludes most millennials, even though we're the group that can use financial help the most. As a millennial myself, this hurts. I started this blog in order to help provide financial education for my peers. It's a lot easier to start making good financial decisions early on in life rather than trying to fix bad decisions once they've already been made.

You can see my writing here.
 
Hi! We are a married DMD + JD-- Danny (new dentist as of June 2016) and Amber (lawyer). We have nearly $600k in student loan debt. We run a blog where we discuss the what we are doing with our student loans, how, and why. We don't make money on our blog, but in the chance that we do someday we figured we would list it here: www.redtwogreen.com
 
My name is Jay Weinberg and my business name is Atlantic Pension Planning Corp (www.atlanticpension.com). I am an Independent Financial Planner that specializes in assisting Physicians and Dentists in the following areas: Disability Insurance, Life Insurance, Home Ownership, Student Loans and Financial Planning. I have been in this line of work since 2000. I hold licenses to offer life and disability insurance as well as securities. Below is my corporate disclosure.

Jay M. Weinberg, CLU, ChFC
Atlantic Pension Planning Corp.
27 E. Black Horse Pike
Pleasantville, NJ 08232
609.432.8862 Mobile
609.645.3900 Office
215.475.4593 Fax
www.atlanticpension.com
[email protected]


REFINANCE YOUR STUDENT LOANS WITH SOFI OR DRB USING THESE LINKS AND RECEIVE A $200 WELCOME BONUS

http://sofi.com/AtlanticPensionPhysicians

https://student.drbank.com/?provider=jwapp

http://www.mdpreferredservices.com/md-preferred-award-recipients/atlantic-pension-planning-corp

This message is intended only for the use of the individual or entity to which it is addressed, and may contain information that is privileged and confidential. If the reader of this message is not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this message is prohibited. If you have received this communication in error, please notify me immediately by replying to the message or calling me at (609)645-3900 and deleting the message from your computer. Referral fees are paid to both the borrower and financial adviser upon refinancing of student loans.


Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRS/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Atlantic Pension Planning Corp is not affiliated with Kestra IS or Kestra AS.
 
Hello! My name is Alex Leloup, I am a MD loan specialist with Citizens Bank. You can contact me at [email protected] or directly via phone at 413 386 9021.

The advantages of our loan:

Who is eligible?

- 1)Practicing licensed medical doctors (MD and DO) and dentists (DDS and DMD)
– Out of residency for no more than 10 years
– Research physicians employed by major hospitals are eligible
– Self-employed with a two-year history of self employment are eligible
•Medical school graduates currently in residency, internship or fellowship
•Newly graduated or licensed medical students about to begin their new employment/residency/internship/fellowship within 60 days of mortgage closing
•New medical professional graduates who are under contract for residency, internship or fellowship within 60 days of closing and have not yet obtained a license

Borrower Benefits:
    1. Up to 95% financing for loan amounts up to $850,000 $600,000 maximum loan amount for licensed residents, fellows and interns ($400,000 maximum loan amount if unlicensed)
    2. No mortgage insurance required
    3. $1.5 million maximum loan amount $600,000 maximum loan amount for licensed residents, fellows and interns ($400,000 maximum loan amount if unlicensed)
    4. Student loan debt that’s deferred for greater than 12 months from the date of closing can be excluded from the debt-to-income (DTI) ratio (40% max. DTI)
    5. Construction-to-permanent financing eligible under program (Maximum 89% financing)
    6. Choice of fully-amortizing fixed- or adjustable-rate mortgage
    7. Interest-only option available on select adjustable-rate programs (Maximum 89% financing)
    8. Special banking relationship discount
 
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