Guaranteed Rate Affinity

Loan Officers

Jay Couillard (NMLS #87100)

STATES:  CO, CT, ID, OR, VA, WA
EMAIL:  [email protected]
PHONE:  914-434-5036

Terms

If FICO Score is 720 or above, the following options are available:

  • 100% financing to $1,000,000 no PMI
  • 95% financing to $1,750,000 no PMI
  • 99% financing to $2,500,000 no PMI

If FICO Score is 680-719, the following options are available:

  • 95% financing to $750,000 no PMI
  • 99% financing to $1,500,000 no PMI
  • 75% financing to $2,500,000 no PMI

30 Year & 15 Year Fixed

5,7,10 & 15 Year Adjustable Rate

Professions

MD, DO, DDS, DMD, DVM, DPM

Strengths

No Cost Pre-Approval with soft- credit pull.

1-2 unit properties, Condos (warrantable/non-warrantable), PUD, Townhouses, Modular Homes

DTI up to 50%

Available to US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, and Foreign Nationals

Flexible underwriting guidelines such as the ability to use future employment, 1099 contract income, and gift funds.

Besides our Medical Professional Program, we also have conforming and jumbo mortgage programs for:

  • Purchase or Refinancing
    • Primary residence
    • Second Home/Vacation Home
    • Investment
    • HELOC, HELOANS, 2nd Mortgages
    • VA (Purchase/IRRL)
    • FHA
    • USDA
    • DPA – Down Payment Assistant
  • Non-QM offerings
    • DSCR
    • Asset Utilization
    • Business and Personal Bank Statement loans
    • P&L, 1099 Loans
    • Bridge Loans
    • Reverse Mortgages (HECM & Purchase Reverse)
    • Fix & Flip
    • ITIN
    • CashReady

Disclaimer

Guaranteed Rate Affinity: 1800 W Larchmont Ave Chicago, IL 60613 NMLS ID: 87100
For more information about this or any of our loan offerings for medical professionals, please speak with a Guaranteed Rate Affinity loan officer. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
Guaranteed Rate Affinity, LLC is a subsidiary of Guaranteed Rate, Inc.; NMLS #1598647; For licensing information visit nmlsconsumeraccess.org. Conditions may apply.