Shoreham Bank

We are a nationwide portfolio and correspondent lender with in-house underwriting providing quicker closings. We offer Medical professional loans with 100% financing for up to 4 family primary residence purchases depending on the loan size. No PMI/MI We include more types of medical professionals than most lenders. Residents, Fellows, Medical Doctors, Dentists, Surgeons, Veterinarians, Pharmacists, Nurse Practitioners, Physicians Assistants, Nurse Anesthetist, Ophthalmologists, Optometrists, Chiropractors, Podiatrists. Not Listed? Please call to inquire.

Other products offered:

  • Fixed Rate Equity Loans
  • Home Improvement Loans with low fixed rates and no prepayment penalty! (Even if your home has zero equity, there is no appraisal needed)
  • Construction loans to permanent
  • Conventional
  • 1st Time Home Buyer
  • 2nd and investment properties
  • VA
  • Non-QM
  • Bank Statement
  • Reverse
  • Jumbo Loans
  • Mixed use properties up to 10 units (not available in all states)

It’s attention to the “details” that sets apart the finest Loan Officers. Please reach out 7 days a week. My team and I are experienced and knowledgeable and our goal is to set you up with a product that is best for your situation and then bring you quickly through the process and into your home with no stress. I will work closely with your counsel and realtor, keeping all informed every step of the way. Put my 3 decades of financial services experience to work for you.

Apply Now!

Loan Officers

Toni Binghi (NMLS #1652502)
EMAIL:  [email protected]
PHONE:  914-420-1656


100% financing for up to 1M, 95% to 1,250,000, 90% to 1,500 000, 85% to 2M. No PMI. Fico score 700 or greater.


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


Additional funds available after home purchase for renovations without requiring an appraisal or equity. Available to more medical fields than most, no pmi, competitive rates, flexible student loan payment options, can buy a home before starting employment.


Conditions and restrictions may apply. You may qualify by using your future income to purchase, prior to your new employment start date and using a lower payment for student loans than required by other lenders.