Loan Officer: Mike DeRaspe
States: AK, AZ, CA, CO, CT, FL, GA, HI, ID, IL, IN, KY, ME, MD, MA, MI, MO, MT, NV, NH, NJ, NM, NY, NC, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WI, WY, DC


0%* down up to $750,000; 5%* down payment up to $1,000,000. 10%* down up to $1,500,000. Max loan size $3,500,000. NO PMI. NO Prepayment Penalty. Fixed rate and variable rate mortgages available. Loan options available for purchase, as well as rate/term and cash-out refinances.

Close up to 90 days prior to your employment contract start date.  Minimum credit score of 700. Max DTI 50%. H1B Visa permitted.


Interns, Residents, Fellows, MD, DDS, DMD, DPM, DO and clinical professors, researchers, or managing physicians with a current medical license or diploma.


Great rates, processing, communication, and underwriting! No minimum or maximum years in practice.  Down payment, closing costs, and reserves may be gifted. Only 2 months reserves for loan amounts under $500K, 4 months over $500K, and 6 months over 1MM loan amounts (additional 2 months required if closing before start date); retirement assets count.  Loan servicing will be provided by KeyBank. Mike has specialized in doctor loans for the last 10 of his 20 years in mortgage lending, helping thousands of doctors achieve homeownership.

*Geographic restrictions apply. Ask for details.

Mike DeRaspe (NMLS #470264) can be reached at 603-828-1743 or [email protected]


NMLS #399797 Equal Housing Lender