Atlantic Union Bank

At Atlantic Union Bank, we recognize the hard work you put into getting where you are today as a medical professional. Whether you have years of experience as a doctor or are a recent grad with a contract for employment, we have a home loan program designed to fit your needs.

Loan Officers

Stephanie Arcelay (NMLS #897166)

STATES:  DE, GA, IN, MD, NC, PA, SC, TN, VA, WV, DC
EMAIL:  [email protected]
PHONE:  615-484-6690

Terms

Primary Residence – Purchase and Refinance

  • 0% down payment up to $1.5 Million
  • 5% down payment up to $2 Million
  • 10% down payment up to $2.5 Million

Second Homes – Purchase and Refinance

  • 5% down payment up to $1.5 Million
  • 10% down payment up to $2 Million

Attorney Loan

  • 0% down payment up to $1 Million
  • 5% down payment up to $1.5 Million
  • 10% down payment up to $2 Million

30 Year Fixed Rate, 15 Year Fixed Rate, 10/1 ARM and 7/1 ARM

Professions

MD, DO, DDS, DMD, Resident, Fellows, PA, NP, DVM, DC, OD, DPM, Pharmacist

Strengths

Close up to 120 days before employment start date – additional months in reserves would be required.
No Private Mortgage Insurance
No restrictions on length of time post residency to qualify
H1B visa's accepted with no extra down payment requirement

Combine our Medical Professionals Home Loan with our Certified Buyer Pre-Approval Program, which isn’t your standard pre-qualification. We’ll fully underwrite your loan to determine how much you could be approved for by verifying your information and documentation. This can make you as attractive as a cash buyer when negotiating for your home and may even make the difference between your offer being accepted over another!

Close your loan in as little as 10 business days after pre-approval. Compete directly with cash buyers and remove the need for a financing contingency.

Disclaimer

*Atlantic Union Bank NMLS #551889. This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approvals. Terms, rates, data, programs, information and conditions are subject to change without notice. Specific program restrictions may apply so please consult your dedicated Mortgage Loan Officer for complete details. Owner-occupied residences and second homes only (single family homes, Fannie/Freddie warrantable condos and townhomes). Borrower(s) may only have two (2) Medical Professionals Program serviced by Atlantic Union Bank at any time. Not all loans or products are available in all states.