Loan Officer: Karen Hackney/Tony Umholtz
States: AL, AR, AZ, CT, FL, GA, LA, MS, NC, NJ, NY, SC, TN, TX, VA

Terms: Currently we offer several physician programs.  Our most popular product will allow the following:

  • 100% financing up to a $1.5 million loan amount
  • No PMI
  • No restrictions for time out of residency
  • Very low reserve requirements
  • Minimum credit score of 680
  • Can close up to 6 months prior to employment start date

Professions: We have two different products, one only allows MD, DO’s, and Podiatrists.  Our other product is much more broad, it allows Doctors, Dentists, Pharmacists, Nurse Anesthetist, Attorneys, and CPAs.


Clearly a strength is our product is more flexible than most of our peers.  We have been able to help several physicians who were turned down elsewhere for the product recently. Allowing physicians to be greater than 10 yrs out of residency and still qualify has been helpful to many. The opportunity to provide 100% financing up to $1.5 million, and 95% financing up to $2 million, and 90% financing up to $2.5 million has been strong compared to competitors. Condos are allowable under the product.

Karen Hackney (NMLS #659295) can be reached at 865-548-7313 or [email protected]
Tony Umholtz (NMLS #377409) can be reached at 813-603-4255 or [email protected]