Loan Officer: Kristi Lyons
States: CO, IL, IA, KS, NE, SD, TX

Terms:

FNBO offers home financing solutions geared specifically towards physicians. Our physician loan
product is a 10/6 ARM meaning that the rate is fixed for the first 10 years and is amortized for 30 years.

Option #1

Loan amounts up to $850,000
Requires a 0% down payment
Requires 2 months of reserves
No mortgage insurance
Minimum credit score of 720
US citizen or permanent resident alien
Must be an active medical doctor or resident, an anesthesiologist, or dentist
Fully executed employment contract with no contingencies are permitted for income
verification.
Applicant must start work within 90 days of loan closing.

Option #2
Loan amounts from $850,001 to $1,250,000
Requires a 5% down payment
Requires 4 months of reserves
No mortgage insurance
Minimum credit score of 720
US citizen or permanent resident alien
Must be an active medical doctor or resident, an anesthesiologist, or dentist
Fully executed employment contract with no contingencies are permitted for income
verification.
Applicant must start work within 90 days of loan closing.

Option #3
Loan amounts from $1,250,001-$1,500,000
Requires a 10% down payment
Requires 4 months of reserves
No mortgage insurance
Minimum credit score of 720
US citizen or permanent resident alien
Must be an active medical doctor or resident, an anesthesiologist, or dentist
Fully executed employment contract with no contingencies are permitted for income
verification.
Applicant must start work within 90 days of loan closing.

Professionals: 

Physicians and Dentists

Strengths:

We are a family owned and operated bank. We understand the importance the home ownership
process and how moving quickly can help with competing offers. Taking care of our customer is our #1 priority.  We close every loan on time. We have the mortgage technology that allows customers to
access their information quickly and accurately.

Kristi Lyons (NMLS 536657) can be reached at 402-602-6746 or [email protected]