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Meet Sandi Frith

Physician Mortgage Specialist – Alliant Credit Union
NMLS #564023
Based in Plano, Texas
Serving States:
  • AK
  • AL
  • AR
  • AZ
  • CA
  • CO
  • CT
  • DC
  • DE
  • FL
  • GA
  • HI
  • IA
  • ID
  • IL
  • IN
  • KS
  • KY
  • LA
  • MA
  • ME
  • MI
  • MN
  • MO
  • MS
  • MT
  • NC
  • ND
  • NE
  • NH
  • NJ
  • NM
  • NV
  • NY
  • OH
  • OK
  • OR
  • PA
  • RI
  • SC
  • SD
  • TN
  • TX
  • UT
  • VA
  • VT
  • WA
  • WI
  • WV
  • WY
Direct: (586)-871-8002
Email: sfrith@alliantcreditunion.com
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Physician Mortgage Snapshot

  • No PMI
  • Maximum debt to income ratio 45%
  • 100% financing up to $1,250,000
  • 95% financing up to $1,500,000
  • 90% financing up to $2,000,000
  • Alliant Credit Union does not require training to have been completed within the last 10 years.
  • Conforming & Non-Conforming
  • Fixed & Adjustable Rate
  • 15 & 30 Year Fixed, 5/6, 7/6, 10/6 ARMs
  • FICO score of 700 to qualify
  • Closing available 90 days before employment starts

Eligible Professions

  • MD, DO, DDS, DMD
  • Resident, Fellows
  • DVM, DPM

Program Strengths

  • Student Loan Debt omitted in qualifying ratios if deferred at least 12 months
  • Ability to use income based repayment schedule if not deferred for 12 months
  • No limit on time elapsed since the completion of training
  • Financing available for single family, condos, and two family owner occupied residences
  • Warrantable and non-warrantable condos allowed
  • Available to US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, and Foreign Nationals
  • For other professionals we have Our First Time Homebuyers program with up to 100% financing available with no PMI

Prefer Sandi to Contact You?

Drop your name and phone number and I’ll have Sandi reach out to you!
DoctorLoanPrograms.com is a national physician mortgage directory helping doctors compare approved physician loan officers across the United States.

Alliant Credit Union

Program is available in the following states : AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
Disclaimer: Program features are subject to change. Please check with your loan specialist for the most up to date product information.

TERMS:

  • No PMI
  • Closing available 90 days before employment starts
  • Minimum FICO score of 700 to qualify
  • Maximum debt to income ratio 45%
  • Medical Professionals may borrow 100% up to $1,250,000, 95% financing up to $1,500,000, and 90% financing up to $2,000,000
  • Most lenders require that you have completed training within the last 10 years, Alliant Credit Union has no such limit
  • Conforming & Non-Conforming
  • Fixed & Adjustable Rate
  • 30- & 15- Year Fixed, 5/6, 7/6, 10/6 ARMs

PROFESSIONS:

MD, DO, DDS, DMD, Resident, Fellows, DVM, DPM

STRENGTHS:

  • Student Loan Debt omitted in qualifying ratios if deferred at least 12 months
  • Ability to use income based repayment schedule if not deferred for 12 months
  • No limit on time elapsed since the completion of training
  • Financing available for single family, condos, and two family owner occupied residences
  • Warrantable and non-warrantable condos allowed
  • Available to US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, and Foreign Nationals
  • For other professionals we have Our First Time Homebuyers program with up to 100% financing available with no PMI

The loan officer listed here specialize in working with doctors. They are battle tested, seasoned, and recommended by your peers.

Sandi Frith (NMLS# 564023)
586-871-8002
sfrith@alliantcreditunion.com

Do you want Sandi to contact you?
I’ve made it real easy. Drop your name and phone number in the form below and I’ll let them know that you would like more information.
By contacting you certify that you are a medical professional or the spouse of one.
Disclaimer
Alliant Credit Union NMLS#: 197185.
Rates, terms, and conditions are subject to change. The 5/6, 7/6 and 10/6 ARMs offer a fixed rate for the initial period of the loan and adjust to a 6-month ARM after that period. The interest rate and monthly payment may adjust bi-annually based on the 30-day average Secured Overnight Funding Rate (SOFR), plus a margin of 2.75 percentage points with a 5% lifetime cap.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
Mortgages available in all states except Maryland. Loan approval, interest rate, and downpayment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change, are subject to credit, and collateral approval.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
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Alliant Credit Union Physician Mortgage Loan Officer

Sandi Frith with Alliant Credit Union offers a physician mortgage program designed specifically for medical professionals. It is available to doctors, residents, and fellows purchasing a primary residence across AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, and WY. The program features low or no down payment options, flexible student loan treatment, and no private mortgage insurance (PMI).

FAQs

What credit score is required for a physician mortgage with Alliant Credit Union?
Alliant Credit Union generally looks for a strong credit profile, often with minimum scores around 700, though final approval depends on the full financial picture. Higher credit scores may qualify for better loan terms.
Does Alliant Credit Union count student loans in debt-to-income calculations?
Yes, student loans are included in debt-to-income (DTI) calculations. However, the physician mortgage program may offer more flexible treatment of student loan debt compared to conventional mortgage guidelines.
Can residents qualify for a physician loan before starting their job?
Yes. Residents and fellows can typically qualify with a signed employment contract, allowing them to close on a home prior to their official start date.
What is the maximum loan amount available through this physician program?
Loan limits vary based on borrower qualifications, but Alliant Credit Union offers competitive financing tiers with low or no down payment options up to significant loan amounts.
Is private mortgage insurance (PMI) required?
No. Alliant’s physician mortgage program does not require private mortgage insurance (PMI), even when the down payment is less than 20%.
How much down payment is required for doctors?
Many physician borrowers may qualify for low or no down payment options depending on the loan amount and underwriting approval. Larger loan amounts may require a modest down payment.
Are signing bonuses counted as income?
Signing bonuses and guaranteed future income may be considered as qualifying income if properly documented in the employment contract and approved by underwriting.
Which states does Alliant Credit Union offer physician loans in?
Alliant Credit Union’s physician mortgage program is available in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, and WY.
How does this program compare to other physician mortgage lenders?
Alliant Credit Union offers competitive low-down payment options, no PMI, flexible student loan treatment, and nationwide availability across most states, making it a strong alternative to many traditional physician mortgage lenders.
Can I use this loan for a condo or multi-unit property?
Yes, physician mortgages through Alliant Credit Union can typically be used for primary residences, including eligible condos. Multi-unit properties must meet occupancy and program guidelines.

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