Citizens Bank

Michael DiDonna, VP Mortgage Lending, NMLS 590019


New York


The Citizens Bank Doctor Loan

Doctor, Dentist and Resident Physician Mortgage

• Up to 95% financing with lender paid mortgage insurance for loan amounts up to $850,000
• Up to 89% financing with no mortgage insurance $850,000 to  $1 million maximum loan amount
• Student loan debt deferred for at least 12 Months excluded from debt-to-income ratio
• Construction-to-permanent financing eligibility – maximum 89% financing
• Primary residence only
• PUDs and Condos

720 Minimum Credit Score – Doctor Loan only

LTV < 90% maximum DTI is 43%

LTV >/= 90% maximum DTI is 40%

Offering Lending Services in CT, DC, DE, IL, IN, KY, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, and WV

Michael DiDonna

About Michael DiDonna

As your Citizens Bank loan officer, you can count on me to listen to your needs before recommending a mortgage solution for your home purchase or refinance. It’s my goal to help you find the mortgage that’s right for you, which is why I’m committed to answering your questions – big or small.

I have years of experience in the mortgage industry and have put my expertise to work for many satisfied clients. I specialize in home financing for physicians, self-employed borrowers and first-time home buyers.

Citizens Bank offers a variety of home loan programs to suit just about everyone’s need. It’s never too early to explore your options, so contact me today!