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Meet David Edmondson

Community Mortgage Banker – TD Bank
NMLS# 1045001
Based in Greenville, SC
Serving: CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Direct: (781)-367-6808
Email: david.edmondson@td.com
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Physical Mortgage Snapshot

  • 0% down up to 1M
  • 5% down up to 1.5M
  • 10% down up to 2M

Eligible Professions

  • MD, DO, DPM, DDS, DMD
  • Primary residences only
  • Flexible DTI requirements for high-income earners

Eligible Professions

  • MD, DO, DDS, DMD
  • Resident, Fellow
  • CRNA, DNAP, DP

Program Strengths

All of the loan officers listed here specialize in working with doctors ONLY. They are battle-tested, seasoned, and recommended by your peers.

Prefer David to Contact You?

Drop your name and phone number and I’ll have David reach out to you!

TD Bank Physician Mortgage Loan Officer

David Edmondson with TD Bank offers physician mortgage loans designed specifically for doctors, residents, and fellows. His program provides low or no down payment options up to significant loan limits, flexible student loan treatment, competitive fixed and adjustable-rate mortgage options, and no private mortgage insurance (PMI). David works with medical professionals across CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, and DC to tailor mortgage solutions that fit physicians’ unique career timelines and homebuying needs.

FAQs

What credit score is required for a physician mortgage with TD Bank?
TD Bank typically requires a solid credit profile to qualify, and many physician mortgage borrowers have scores around 720 or higher, though exact requirements depend on loan size, credit history, and overall financial profile.
Does TD Bank count student loans in debt-to-income calculations?
Yes, student loans are included in debt-to-income (DTI) ratios, but TD Bank’s physician mortgage program can be more flexible with DTI than conventional loans, recognizing the unique debt burdens early-career medical professionals often carry.
Can residents qualify for a physician loan before starting their job?
Yes, TD Bank allows residents and fellows to qualify using a signed future employment contract as proof of income, which means you can start the homebuying process even before beginning your job.
What is the maximum loan amount available through this physician program?
TD Bank offers 100% financing up to $1,000,000, 95% financing up to $1.5 million, and 89.99% financing up to $2 million depending on the loan amount and applicant qualifications.
Is private mortgage insurance (PMI) required?
No — TD Bank’s physician mortgage program does not require private mortgage insurance (PMI) even if you put down less than 20%.
How much down payment is required for doctors?
Down payment varies by loan amount: 0% on loans up to $1,000,000, 5% for loans up to $1.5 million, and 10%+ for loans up to $2 million.
Are signing bonuses counted as income?
Signing bonuses and guaranteed future income can often be considered as qualifying income with appropriate documentation, but final determination is made by underwriting at the time of application.
Which states does TD Bank offer physician loans in?
TD Bank’s physician mortgage is available in states where TD Bank operates and participates, including CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, and DC.
How does this program compare to other physician mortgage lenders?
TD Bank’s program offers competitive low-down payment and no-PMI options, flexible DTI treatment, and financing tiers up to $2 million, comparable with other doctor loan programs, though exact terms and eligibility vary by lender.
Can I use this loan for a condo or multi-unit property?
Yes — TD Bank’s physician mortgage can be used for a primary residence, including single-family homes, condos, and in some markets co-ops or planned unit developments, as long as it will be your primary home.

TD Bank

Available in the following states: CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC

DOCTOR LOAN PROGRAM FEATURES:

  • 0% down up to 1M
  • 5% down up to 1.5M
  • 10% down up to 2M

– MD, DO, DPM, DDS, DMD
– Primary residences only
– Flexible DTI requirements for high income earners

All of the loan officers listed here specialize in working with doctors ONLY. They are battle tested, seasoned, and recommended by your peers.

David Edmondson (NMLS# 1045001) 781-367-6808 David.Edmondson@TD.com

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Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.
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About this Site

Part of the Physician Focused™ Network

Doctor Loan Programs™ is a division of Physician Focused™, a nationwide advisory platform serving physicians and healthcare institutions.

Across the Physician Focused™ network, the focus remains consistent:

  • Education first
  • No pressure
  • Long-term decision support

Loan officer participation supports that mission by contributing to a trusted, hospital-safe resource.

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Loan officers interested in participating in Doctor Loan Programs™ may request additional information regarding listing availability and participation standards.

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• A division of Physician Focused™ • Education first • No sales pressure
The Doctor Mortgage Loan Program is designed to help qualified Physicians and Dentists acquire a residential mortgage loan from participating lenders.
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