Approved States

AL, CT, DE, DC, FL, GA, IL, IN, KS, KY, LA, ME, MD, MA, MI, MS, MO, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, WV

Citizens Bank Physician Mortgage Specialist

•Up to 95% financing with no PMI for loan amounts up to $850,000

• Up to 89% financing with no PMI for loan amounts up to $1M

• $1.5M maximum loan amount (85% LTV)

• Student loan debt deferred for at least 12 Months excluded from debt-to-income ratio OR if on IBR – can use IBR pymt

• Construction-to-permanent financing eligibility – maximum 85% financing

• Primary residence only

• PUDs and Condos

700 Minimum Credit Score –Doctor Loan only

LTV < 90% maximum DTI is 43%

LTV >/= 90% maximum DTI is 40%