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Meet Chris Urti

Community Mortgage Banker – First National Bank

NMLS #436445
Broadview Heights, Ohio
Serving: DE, FL, GA, MD, NJ, NY, NC, OH, PA, SC, TN, VA, DC, WV

Direct: (903)-714-2012

Email: jennyjohnson@bankoftexas.com
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Physical Mortgage Snapshot

Minimum Credit Score: 720
  • 100% Financing up to $1.25 million
  • 95% Financing up to $1.5 million
  • 90% Financing up to $2 million
Minimum Credit Score: 700
  • 100% Financing up to $1 million
  • 90% Financing up to $1.5 million
  • 15% Down Up to $2.25 M
Second Homes Eligible
  • 20% down payment required
  • Max Loan amount of $1.5 million
Constructions Loans Eligible
  • 15% down payment required
  • Max loan amount of $1.5 million
  • Condos and Second homes NOT permitted

Products Available

  • 30, 25, 20, 15, 10-year fixed
  • 15, 10, 7, 5 year ARMs (SOFR index)

Eligible Professions

  • MD, DDS, DMD
  • OD, DPM, DO
  • Veterinarians

No Private Mortgage Insurance

Property types
  • Single Family Home
  • Low-Rise Condos (7 Stories Max)
  • PUD
  • Townhomes (Fee Sample)
  • CAN close up to 90-day PRIOR to employment start date
  • Acceptable Visa-types: H1B
  • Gift funds: Acceptable for closing costs and Down Payment
  • 1099 Contracted Income is acceptable (upon review of employment contract/financials)

Prefer Chris to Contact You?

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

First National Bank Physician Mortgage Loan Officer

Chris Urti with First National 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). Chris works with medical professionals across DE, FL, GA, MD, NJ, NY, NC, OH, PA, SC, TN, VA, DC, and WV to tailor mortgage solutions that fit physicians’ unique career timelines and homebuying needs.

FAQs

What credit score is required for a physician mortgage with First National Bank?
First National Bank generally prefers a strong credit score, typically around 700 or higher, although final approval is based on the full financial profile and employment contract.
Does First National Bank count student loans in debt-to-income calculations?
Yes, student loans are included in debt-to-income (DTI) ratios. Physician mortgage programs like this often allow more flexible DTI treatment than conventional loans to help doctors with high student debt qualify.
Can residents qualify for a physician loan before starting their job?
Yes. Residents, fellows, and new doctors with a signed employment contract can usually qualify for financing before their official job start date.
What is the maximum loan amount available through this physician program?
Loan limits vary by applicant and credit profile, but First National Bank offers competitive loan amounts with low or no down payment options tailored to medical professionals.
Is private mortgage insurance (PMI) required?
No. First National Bank’s physician mortgage program typically does not require private mortgage insurance (PMI), even with a low or no down payment.
How much down payment is required for doctors?
Many physicians can qualify with low or no down payment options depending on the loan amount and eligibility. Larger loans 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 and approved by underwriting.
Which states does First National Bank offer physician loans in?
First National Bank’s physician mortgage program is available in DE, FL, GA, MD, NJ, NY, NC, OH, PA, SC, TN, VA, DC, and WV.
How does this program compare to other physician mortgage lenders?
First National Bank offers competitive low or no down payment physician financing, flexible underwriting, and broad professional eligibility, making it a viable option when compared to many traditional physician mortgage lenders.
Can I use this loan for a condo or multi-unit property?
Yes. Physician mortgages through First National Bank can be used for primary residences including eligible condos. Multi-unit eligibility depends on occupancy and underwriting guidelines.

First National Bank

Available in the following states: DE, FL, GA, MD, NJ, NY, NC, OH, PA, SC, TN, VA, DC, WV

DOCTOR PROGRAM FEATURES:

Eligible Doctors/Dentists: MD, DDS, DMD,OD, DPM, DO, Veterinarians

  • 720 min credit score, Primary Residence:
  • 100% Financing up to $1.25 million
  • 95% Financing up to $1.5 million
  • 90% Financing up to $2 million
  • 700 min credit score, Primary Residence:
  • 100% financing up to $1 million
  • 90% financing up to $1.5 million
  • Second Homes Eligible:
  • 20% down payment required
  • Max Loan amount of $1.5 million
  • Constructions Loans Eligible:

 

  • 15% down payment required
  • Max loan amount of $1.5 million
  • Condos and Second homes NOT permitted
  • Products Available:
  • 30, 25, 20, 15, 10-year fixed
  • 15, 10, 7, 5 year ARMs (SOFR index)

No Private Mortgage Insurance

  • Property types:
  • Single Family Home
  • Low-Rise Condos (7 stories max)
  • PUD
  • Townhomes (fee simple)
*CAN close up to 90-day PRIOR to employment start date
*Acceptable Visa-types: H1B
*Gift funds: Acceptable for closing costs and Down Payment
*1099 Contracted Income is acceptable (upon review of employment contract/financials)

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

Evan Estep (NMLS#436006 )
440-724-7094
Estepe@fnb-corp.com

Do you want Chris Urti to contact you?

NMLS #436445
I’ve made it real easy. Drop your name and phone number in the form below and I’ll let him 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.
This is not a commitment to lend. All loans are subject to credit review and approval. Member FDIC | Equal Housing Lender.
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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.
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Doctor Loan Programs™ is a division of Physician Focused™, a nationwide advisory platform serving physicians and healthcare institutions.

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