216-616-4332

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216-616-4332

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Fifth Third Bank

FIFTH THIRD BANK: FL, IL, IN, KY, MI, OH, TN, WV, GA, NC, SC

DOCTOR LOAN PROGRAM FEATURES:

  • ALL physicians 0% down up to $1,000,000 (700+).
    • 5% down up to $1,000,000 (680+)
    • 5% down up to $1,500,000 (700+)
    • 10% down up to $2,000,000 (700+)
  • Rate/Term refinancing the same loan to values as purchase.
  • Debt to income up to 50%.
  • 2 months reserves for loan amounts <$1,000,000
    • Gift funds allowed for reserves for <$1,000,000
  • 6 months reserves for loan amounts >= $1,000,000
  • Gift funds can be used for closing costs & prepaids
  • Can have less then 24 months self employed income if they acquired a practice
  • Asset dissipation underwriting allowed
    • Can use unencumbered assets to qualify/show more income
  • If using resident or fellow income, we can ignore student loans
  • Can you future income if a physician starts a new job within 90 days of the closing date
    • Can get exceptions if slightly longer out
  • Allow J1 & H1B Visas with proof of continued employment
  • Can lend in all 50 states for Private Banking clients (all else remains the same: FL, IL, IN, KY, MI, OH, TN, WV, GA, NC, SC)
    • $2,000,000+ in assets with the bank for Private Banking
  • No additional money down on condos
  • Relationship rate discounts starting at $25,000 of assets with the bank

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

    Patrick Godfray (NMLS #: 978864)
    216-870-6617
Do you want Patrick to contact you?
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 him.
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.
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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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