I have over 22 years of mortgage banking experience and have helped well over 1000 family’s originating nearly one billion dollars in residential loans. This experience may provide important assistance for someone who needs help during the home buying process.

Loan Officer: Jim Webster
States: DE, MD, NJ, PA, VA, DC


Fulton Mortgage Company offers a zero down payment loan with no mortgage insurance for
up to $1,500,000. Zero down for loans up to $1,500,000. 5% down for loan over $1,500,000 to $2,000,000. 10% down for loans over $2,000,000 up $3,000,000.

No mortgage insurance with the loan and no restrictions for prepayments. Can close 90 days before the start of a new salary guaranteed job using that income to qualify. Gift funds from family member allowed for closing cost / prepaid expenses or down payment.

Must be US Citizen or have Valid Green Card. Student loans not counted in Debt-to-income ratio for Residents as long as 6 months or more remaining in residency. IBR payments used for doctors after residency training. Allow Doctors to be out of training up to 15 years. If relocating and taking new job time out of residency not applied. Must purchase with in one year of relocation if out of residency more than 15 years.

Terms: 15 year and 30 year fixed. 5/6 ARM , &/6 ARM, 10/6 ARM, 15/6 ARM


Medical Doctors, Dentists, Podiatrist, Veterinarians and Pharmacists


Our strength of program is very low requirements for down payment and funds to close. We allow up to 90 days form eligible income with a signed offer letter.

Jim Webster (NMLS #658933) can be reached at 240-620-1414 or [email protected]