Apply online here. Or set up an appointment with Upen Patel, SVP.

Subject to credit approval. Terms and conditions may apply. Property insurance is required for all loans secured by property.
The Federal Savings Bank | Co. NMLS# 411500 | All Rights Reserved |
Member FDIC | Equal Housing Lender

Loan Officer: Upen Patel
States: MD, VA, DC


0% down up to $1 MM loan amount
5% down up to $1.5 MM loan amount
10% down up to $2 MM loan amount
Owner occupied Primary Residence
1-4 unit residential property
Rental income can be used to meet DTI requirement
Min FICO – 660 (lower FICO will not affect your rate)
No Reserve Requirement
No Pre-payment Penalty
ARM loan options
Can close up to 90 days prior to start of new job
Student loan payments deferred for 12+ months are not included in DTI
No limit on the number of years out of residency
Non-occupant co-borrower allowed
Gift funds allowed from family members
Up to 6% seller credit allowed
US Citizens, Permanent Resident Aliens, Work Visa


Physician / Surgeon (MD)
Osteopathist / Osteopath (DO)
Dentist, including Orthodontist / Prosthodontist (DDS or DMD)
Nurse Anesthetist (CRNA)
Physician Assistantn (PA)
Nurse Midwife (APRN, CNM)
Nurse Practitioner (NP)
Podiatrist (DPM)
Pharmacist (RPH, PharmD)
Optometrist (OD)
Veterinarian (DVM)
Psychologist / Psychiatristdch
Interns, Residents, Fellows

* Proof of medical degree and license required
* Potential to request an exception for medical & healthcare professions not listed above


Serving medical and healthcare professionals nationwide.
Wide coverage of professionals – We value the contribution of healthcare professionals and want to support as many as possible to achieve the dream of homeownership.
Qualify with few funds – low down payment & NO Reserves
Lower rate compared to a traditional mortgage.
Program is open to all qualifying professionals regardless of years in practice.
Loan available for Cash-out Refi as well (with lower LTV).

Upen Patel (NMLS # 1374243) can be reached at 571-331-5161 or [email protected]