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Meet Marc Evans

Community Mortgage Banker – BMO Bank
NMLS #362579
Based in Appleton, WI
Serving: ALL States (Except New York)
Direct: (920)-205-8335
Email: marc.evans@bmo.com
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Call Marc
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Physical Mortgage Snapshot

Eligible Professionals with less than 10 years practicing
  • 0% down up to $1,000,000
  • 5% down up to $1,500,000
  • 10% down up to $2,000,000
Eligible Professionals with more than 10 years practicing
  • 10% down up to $2,000,000

Program Details

  • Purchase and Rate/Term Refinance loans
  • 1-2 unit Primary Residence
  • Single-family, Condominium, and Townhouse
  • No Private Mortgage Insurance required

Eligible Professions

  • Residents
  • Fellowships, and existing Medical Doctors
  • MD’s, DO’s, DMD’s and DDS’s

Program Strengths

  • 5, 7 and 10 year ARMS available
  • 10, 15, 20 & 30 year fixed rates
  • DTI up to 45%
  • 1099 contract income allowed without 2 years of history if contract states minimum base salary
  • Can close up to 89 days before new employment start date with a signed offer letter or contract
All of the loan officers listed here specialize in working with doctors. They are battle tested, seasoned, and recommended by your peers.

Prefer Marc to Contact You?

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

BMO Bank

BMO Bank: ALL States (Except New York)

LENDER FEATURES:

-Available to Residents, Fellowships, and existing Medical Doctors. Eligible Medical Professions include MD’s, DO’s, DMD’s and DDS’s
-Purchase and Rate/Term Refinance loans
-1-2 unit Primary Residence
-Single-family, Condominium, and Townhouse
-No Private Mortgage Insurance required
Eligible Professionals with less than 10 years practicing.
–
Loans up to $1,000,000 with 0% down payment.
–
Loans up to $1,500,000 with 5% down payment.
–
Loans up to $2,000,000 with 10% down payment.
Eligible Professionals with more than 10 years practicing.
–
Loans up to $2,000,000 with 10% down payment.
-5, 7 and 10 year ARMS available
-10, 15, 20 & 30 year fixed rates
-DTI up to 45%
-Can close up to 89 days before new employment start date with a signed offer letter or contract.
-1099 contract income allowed without 2 years of history if contract states minimum base salary.

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

Do you want Marc to contact you?
Marc Evans (NMLS# 362579)
920-205-8335
marc.evans@bmo.com
I’ve made it real easy. Drop your name and phone number in the form below and I’ll let
him know you’re looking for her.
By contacting you certify that you are a medical professional or the spouse of one.
Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.
[GO BACK TO LIST]

Bank of Texas

Program is available in the following states : TX, AZ, AR, OK, NM, KS, MO, CO
Disclaimer: Program features are subject to change. Please check with your loan specialist for the most up to date product information.

TERMS:

  • Primary residence only
  • Purchases or refinances (no cash out)
  • Discounted 0.125% interest rate option available for borrowers who have a qualifying Bank of Texas checking/savings account and agree to make a mortgage payment via ACH from that account

PROFESSIONS:

MD, DO, DDS, DMD, Resident, Fellows, CRNA, DNAP, DP

STRENGTHS:

  • 0% down payment up to $1.5 million
  • 5% down payment up to $1.75 million
  • 10% down payment up to $2 million
  • 15% down payment up to $2.25 million
  • No mortgage insurance required by borrower
  • Competitive fixed and variable rate options
  • No origination fee
  • Student loans deferred greater than 12 months from closing are not considered in debt-to-income ratio
  • Student loans placed on income-based repayment plans are allowed 700 FICO
  • Low reserve requirements

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

Gene Zink (NMLS# 162301 )
972-897-4120
Gzink@bankoftexas.com

Do you want Gene 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: The postings on this site do not represent this banks positions, strategies or opinions.
[GO BACK TO PHYSICIAN LOAN LIST]

BMO Bank Physician Mortgage Loan Officer

Marc Evans with BMO Harris Bank offers physician mortgage loans designed specifically for doctors, residents, and fellows. His program provides low or no down payment options up to competitive loan limits, flexible student loan treatment, competitive fixed and adjustable-rate mortgage options, and no private mortgage insurance (PMI). Marc works with medical professionals across all U.S. states except New York (NY) to tailor mortgage solutions that fit physicians’ unique career timelines and homebuying needs.

FAQs

What credit score is required for a physician mortgage with BMO Harris Bank?
BMO Harris Bank typically requires a strong credit score, often in the 700+ range, although exact requirements depend on your overall financial profile and employment contract.
Does BMO Harris Bank count student loans in debt-to-income calculations?
Yes, student loans are included in debt-to-income (DTI) ratios. However, physician mortgage underwriting generally offers more flexibility with student loan treatment than conventional mortgages.
Can residents qualify for a physician loan before starting their job?
Yes. Residents and fellows with a signed employment contract can typically qualify and close before their official start date, helping with relocation and planning.
What is the maximum loan amount available through this physician program?
Loan limits vary based on borrower qualifications and underwriting, but BMO Harris offers competitive financing levels with low or no down payment options for eligible physicians.
Is private mortgage insurance (PMI) required?
No. Physician mortgage programs with BMO Harris do not require private mortgage insurance (PMI), even with low or no down payment.
How much down payment is required for doctors?
Down payment requirements depend on loan amount. Many physician borrowers can qualify with low or no down payment on certain loan tiers; larger loans may require a modest down payment.
Are signing bonuses counted as income?
Signing bonuses and guaranteed future income may be considered qualifying income if documented in the employment contract and accepted by underwriting.
Which states does BMO Harris Bank offer physician loans in?
BMO Harris Bank offers physician mortgage loans in all U.S. states except New York (NY).
How does this program compare to other physician mortgage lenders?
BMO Harris Bank’s physician mortgage offers competitive low down payment options, no PMI, flexible student loan guidelines, and nationwide availability (excluding NY), making it a solid alternative to other physician lenders.
Can I use this loan for a condo or multi-unit property?
Yes. Physician mortgage loans through BMO Harris can be used for primary residences, including eligible condos. Multi-unit eligibility depends on occupancy and underwriting guidelines.

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