
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
Dr. Home Loans Citizens Bank
•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%