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Meet Jennifer Roberts

Community Mortgage Banker – Fulton Mortgage
NMLS #1281769
Based in Virginia
Serving: DC, DE, MD, NJ, PA and VA
Direct: (757)-268-5624
Email: jeroberts@fultonmortgagecompany.com
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Physical Mortgage Snapshot

  • 100% Financing up to $1.5M
  • 95% Financing from $1,500,001 – $2M
  • 90% Financing from $2,000,001 – $3M
  • No PMI
  • Terms 15 & 30 year fixed, 5/6, 7/6, 10/6 and 15/6 SOFR ARM
  • Purchase and Limited Cash-Out Refinance

Eligible Professions

  • MD, DO, DDS,
  • DMD, PHARMD
  • DPM and VETD

Program Strengths

  • Close up to 90 days before employment start
  • 660 minimum credit score on purchase
  • 700 minimum credit score on limited cash-out refinance
Physician must not be out of training for more than 15 years

Prefer Jennifer to Contact You?

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

Fulton Mortgage Company, a division of Fulton Bank, N.A.

Fulton Mortgage Company: DC, DE, MD, NJ, PA and VA

LENDER FEATURES:

-100% Financing up to $1.5M
-95% Financing from $1,500,001 – $2M-95%
-90% Financing from $2,000,001 – $3M
-Available to MD, DO, DDS, DMD, PHARMD, DPM and VETD
-Can close on purchase up to 90 days in advance of employment contract start date
-660 minimum credit score on purchase (some restrictions may apply with credit score under 700
-700 minimum credit score on limited cash-out refinance.
-No PMI (private mortgage insurance)
-Terms 15 & 30 year fixed, 5/6, 7/6, 10/6 and 15/6 SOFR ARM
-Purchase and Limited Cash-Out Refinance
-Physician must not be out of training for more than 15 years

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

Jennifer Roberts (NMLS#1281769
757-268-5624
Jeroberts@fultonmortgagecompany.com

Do you want Jennifer to contact you?
I’ve made it real easy. Drop your name and phone number in the form below and I’ll let
her know you’re looking for her.
I’ve made it real easy. Drop your name and phone number in the form below and I’ll let her know you’re looking for her.
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.
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Fulton Mortgage Physician Mortgage Loan Officer

Jennifer Roberts with Fulton Mortgage Company (a division of Fulton Bank) offers physician mortgage loans designed specifically for doctors, residents, and fellows. Her 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). Jennifer works with medical professionals across DC, DE, MD, NJ, PA, and VA to tailor mortgage solutions that fit physicians’ unique career timelines and homebuying needs.

FAQs

What credit score is required for a physician mortgage with Fulton Mortgage Company?
Fulton Mortgage Company generally prefers a strong credit score, typically around 700 or higher, although final approval depends on the borrower’s overall financial profile and employment contract.
Does Fulton Mortgage Company count student loans in debt-to-income calculations?
Yes. Student loans are included in debt-to-income (DTI) ratios, but physician mortgage underwriting often allows more flexible treatment of student loan debt than conventional guidelines.
Can residents qualify for a physician loan before starting their job?
Yes. Residents, fellows, and new doctors with a signed employment contract can typically qualify and close on a home before their official start date, assisting with relocation and planning.
What is the maximum loan amount available through this physician program?
Loan limits vary based on qualifications, but the program offers competitive financing up to significant loan amounts with low or no down payment options for eligible physicians.
Is private mortgage insurance (PMI) required?
No. The physician mortgage program through Fulton Mortgage Company does not require private mortgage insurance even with low or no down payment.
How much down payment is required for doctors?
Down payment requirements vary depending on loan size and borrower profile. Many physician borrowers can qualify with low or no down payment at certain loan tiers; larger loan amounts may require a modest down payment.
Are signing bonuses counted as income?
Signing bonuses and guaranteed future income can often be included in qualifying income when properly documented in the employment contract and accepted by underwriting.
Which states does Fulton Mortgage Company offer physician loans in?
Fulton Mortgage Company’s physician mortgage program is available in DC, DE, MD, NJ, PA, and VA.
How does this program compare to other physician mortgage lenders?
Fulton Mortgage Company offers competitive low or no down payment options, no PMI, and flexible student loan guidelines, positioning it strongly compared to many traditional physician mortgage lenders.
Can I use this loan for a condo or multi-unit property?
Yes. Physician mortgage loans through Fulton Mortgage Company can be used for primary residences, including eligible condos. Multi-unit eligibility depends on occupancy and underwriting guidelines.

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Part of the Physician Focused™ Network

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