Civista Bank

Loan Officers

Eric Veronica (NMLS #83197)
STATES:  IN, KY, MI, OH, PA
EMAIL:  [email protected]
PHONE:  419-318-8985

Terms:

Our physician loan program offers zero down payment up to $1,000,000, 5% down up to $1,500,000, and 10% down up to $2,000,000. The physician loan program does not charge any PMI (mortgage insurance).

Professions:

MD, DO, DDS, DMD, Resident, Fellows, DVM, DPM

Strengths:

  • We cover appraisal fee
  • Allows physician to use new employment contract as qualifying income up to 6 months before start date (longer start dates can be considered)
  • Construction draw loans
  • Allow renovation financing on existing homes
  • 2-4 units qualify for physician loan program
  • Vacation homes eligible for physician loan program