At SunTrust Mortgage, rather than trying to be all things to all people, we feel it's important to identify and focus on the specific needs of borrowers and our local market. As a result we have identified several areas where we are experts - the leaders - in providing the answers to specialized needs.

• Doctor loan programs - 100% financing with no mortgage insurance!
• Jumbo and Private Wealth Clients
• Construction Perm - One time close!
• VHDA - 1st Time Home Buyers
• VA/FHA/Rural Housing
• Conventional 80/10/10

When you work with us, you can expect:

• Quality advice specific to your financial needs and goals
• Consistent communication with you throughout the loan process to keep you up to date on the status of your mortgage

It's your home and your future. It's my profession and my passion. I'm ready to work for your best interest.

How May We Help You?

Equal Housing Lender. SunTrust Mortgage, Inc., 901 Semmes Avenue, Richmond, VA 23224 is licensed by the Department of Corporations under the California Residential Mortgage Lending Act; is an Illinois Residential Mortgage Licensee; is a Lender in Massachusetts having Mortgage Lender license #s ML1216, ML0133, ML1432, ML1914, ML1913, ML1815, ML2411, ML1214, ML2442, ML2491, and ML2538; is licensed by the New Hampshire Banking Department; is licensed by the New Jersey Department of Banking and Insurance, toll free 1-800-330-4684; is a licensed lender in Rhode Island; and is doing business in Arizona as Crestar Mortgage, 7250 N. 16th Street, Ste. 100, Phoenix, AZ 85020. (C)2011 SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc.

Contributions to Lender411

Blogs Loan Programs: Veteran Loan SunTrust Mortgage Sep 17th 2011 Loan Programs: SunTrust Affordable Housing Jul 25th 2011 FHA Loans: FHA Property Flipping Jul 4th 2011 Loan Programs: Red Flags for Fannie Mae Jul 4th 2011 FHA Loans: FHA Under Pressure Mar 14th 2010 more... Answered Questions Refinance: I am making less money than when I bought my house. I wa… Mar 2nd 2010 more... Contacted consumers with following loan scenarios Mississippi, Home Purchase, Excellent Credit, Amount: $167,500, LTV 96% 13 days ago Alabama, Home Purchase, Good Credit, Amount: $247,500, LTV 99% Jan 7th 2012 Alabama, Home Purchase, Excellent Credit, Amount: $172,500, LTV 99% Dec 15th 2011 Alabama, Home Purchase, Good Credit, Amount: $150,000, LTV 99% Oct 14th 2011 Tennessee, Home Purchase, Good Credit, Amount: $200,000, LTV 99% Sep 29th 2011

Whether you are relocating for your residency or a seasoned practitioner and long-term local in the market for a larger property, SunTrust Mortgage has amazing financing products available just for Doctors and Physicians like you.

Why Special Physician / Doctor Loans?

You chose to devote your life to caring for and healing the lives of others. This choice required of you a far greater investment in school and training, and today demands a steadfast dedication to your work. You may have more student debt than the average potential homebuyer.

However, as the current demand for Doctors is always steady, and especially now on a sharp upward trend, you also have greater career opportunities, job security, and earning potential. Thus, special loan products are available to you which take into account and reward your unique professional and financial situation.

Doctor Loan / Physician Loan Features:

• Available for purchase and refinances
• Fixed rate and adjustable rate loans with interest-only options
• No private mortgage insurance required (PMI)
• Competitive pricing and special relationship discounts
• Closing costs can be paid by seller up to 3% or come from a gift

Licensed medical physicians who have completed their residency within the last ten years:

• Up to 100% financing for loan amounts up to $650,000
• 95% financing for loan amounts up to $1 million
• 89.9% financing for loan amounts up to $1.5 million

For Residents, Interns and Fellows:

• Up to 100% financing
• Maximum loan amount of $417,000
• Deferred Student Loans are not counted in debt

Eligible States: Alabama, Arkansas, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, Washington, DC and West Virginia

Why choose the Suntrust Doctor Loan?

I am an experienced, knowledgeable loan officer who is able to passionately work on your behalf. I will sit down with you to understand your particular career / financial situation and your home-owning vision. From there I can find you a selection of the absolute best financing products available to you and help you get on track to being approved for any one of them and thus assure that you will be successfully closing on the house of your dreams.

I specialize in working with relocating physicians and have the depth of experience necessary to effectively provide you with exceptional mortgage services over the telephone and accommodating your busy schedule. I work with some of the most respected real estate professionals in the industry, and can connect you with them so as to completely ensure a smooth and rewarding transition.

If you have any questions about Physician / Doctor Loans, please feel free to call or email me - I would be happy to help you in any way we can.

Sandra S. Madison, Senior Mortgage Consultant

(434) 566-2420

sandra.madison@suntrust.com (email)

NMLSR43902

Equal Housing Lender