Physician Lenders Available in Hawaii    


KEYBANK MORTGAGE

  • -0- down payment up to $750,000 (700 min credit score)

  • 5% down payment up to $1,000,000 (700)

  • 10% down payment up to $1,500,000 (680)

  • 15% down payment up to $2,500,000 (700)

  • 25% down payment up to $3,500,000 (700)

  • Min credit score can be lowered if compensating factors are met (case by case)

  • Products available (Purchase and Rate and Term Refinance):

  • 30-year fixed

  • 25-year fixed

  • 20-year fixed

  • 15-year fixed

  • 10/1 ARM

  • 7/1 ARM

  • 5/1 ARM

  • Single Family, PUD, Townhome, and Warrantable Condos are eligible

  • Close on loan up to 90-days prior to employment start date

  • Eligible Medical Doctors: MD, DO, DPM

  • Eligible Dentists: DDS, DMD

  • Eligible Veterinarian: DVM, VDM

  • Debt Ratio Limit: 45% (Up to 50% with compensating factors)

  • Student Loans: Count IBR payment or 1% of balance

  • Down Payment CAN be a gift

  • Reserves CAN be a gift: 2-6 months depending on situation and timing


Opes Advisors
(A Division of Flagstar Bank)

DOCTOR PROGRAM FEATURES:

The program is available for practicing physicians with a 700+ FICO score who are purchasing a single family detached home.

  • 100% loan to $850,000 with no mortgage insurance

  • Low down payment on loans up to $1.5M

  • Deferred medical student debt may not affect your qualifying loan amount.

  • 80% loan to $1.75M with no mortgage insurance.

  • Purchase and rate/term refinance for primary residence.

  • 5/1 and 7/1 Adjustable Rate Mortgages (ARMs) ONLY

  • MD, DDS, DMD, DO, DPM and Veterinarians accepted.

  • Non-occupant co-borrowers

*Please complete the form to connect with the lender of choice. 


FLAGSTAR BANK

The program is available for practicing physicians with a 700+ FICO score who are purchasing a single family detached home.

  • 100% loan to $850,000 with no mortgage insurance (720 FICO)

  • Low down payment on loans up to $1.5M (710 FICO)

  • Deferred medical student debt may not affect your qualifying loan amount.

  • 80% loan to $1.75M obviously with no mortgage insurance.

  • Purchase and rate/term refinance for primary residence.

  • 5/1 and 7/1 Adjustable Rate Mortgages (ARMs)

  • MD, DDS, DMD, DO, DPM and Veterinarians accepted.

  • Non-Occupant Co-Borrowers Allowed


Lisa K. Sapolu

(Hawaii Opes Advisors Lender)

Sales Manager | Honolulu, Hawaii

License/Certifications: NMLS 916216

Email: lsapolu@opesadvisors.com

Office: 808.347.6171 | 949.668.1266

Cell: 714.357.2183

Fax: 866.399.8928

 

Fill out the form below to connect with us

Name *
Name
Cell Phone *
Cell Phone