SunTrust Bank

Stephanie Arcelay, NMLSR#: 897166




See me featured in Top Agent Magazine!

My name is Stephanie Arcelay and I am a Doctor Loan Specialist with SunTrust Mortgage. I have passionately served the Physician community in assisting them fulfill their American Dream of Home Ownership for 13.5 years. I network with realtors and financial advisors and even other lenders all over the US to ensure that I can be of full service to my physician clients and their needs.

Advantages of Doctor Loans:
Fixed or adjustable-rate options
Up to 100% financing and no monthly mortgage insurance payments
Favorable repayment terms provide flexibility to meet your financial reality

For Licensed Residents/Interns/Fellows in MD and DO programs, we offer:
Maximum of 100 percent financing for purchases and rate/term refinances
There is a maximum loan amount of $750,000

For Practicing Doctors (MD, DO, DDS, DMD), we offer:
100% financing for loans up to $750,000
95% financing for loans up to $1 Million
90% financing for loans up to $1.5 Million
Please note: Doctors with over ten years post residency experience are limited to maximum 90 percent financing.*

What you'll need to consider:
Loans are available in select states (AL, AR, CA, CT, DE, FL, GA, KY, MA, MD, MS, NC, OH, PA, SC, TN, TX, VA, WV, DC)
State law may put further restrictions on maximum loan-to-value ratio
Adjustable-rate mortgages have interest rates that may increase during the life of the loan
100 percent mortgage financing will result in no property equity until the borrower pays down the loan principal through regular mortgage payments and/or the property value appreciates
A down payment may be required if the property is located in a declining market

For more information on the Doctor Loan Program, CLICK HERE