SunTrust Mortgage

Matthew Albert, NMLSR #658999


Greensboro, NC


Matt Albert, NMLSR# 658999 is a Doctor Loan Mortgage specialist with SunTrust Mortgage, Inc. and has spent his 14 year career working specifically with physicians and dentists.  Matt specializes in the mortgage needs of licensed medical physicians, residents, interns and fellows, including MDs (Medical Doctors), DOs (Doctors of Osteopathy) in addition to DMDs and DDSs (Dental Surgeons, Orthodontists and General Dentists). He has built his business around superior customer service and industry knowledge. As a Doctor Loan Mortgage Specialist, Matt attributes over 99% of his business to the Doctor Loan Program*, which demonstrates his unique understanding of the product. While Matt also has experience in a variety of other loan programs, he focuses on doctors and their specific situations and understands the process and transition period from medical school to training to attending positions. This is why much of Matt’s business comes from the recommendations of previous clients and investment professionals who work with physicians, resident coordinators and physician recruiters. 

Features of the SunTrust Mortgage Doctor Loan

For Licensed Residents/Interns/Fellows in MD and DO progams:

  1. Fixed or adjustable rate mortgage* options
  2. Up to 100% financing*
  3. Maximum loan amount of $750,000

For Practicing Doctors (MD, DO, DDS, DMD):

  1. Fixed or adjustable rate mortgage* options
  2. 100% financing* for loan amounts up to $750,000
  3. 95% financing* for loan amounts up to $1 Million
  4. 90% financing* for loan amounts up to $1.5 Million

For Doctors with more than ten years post-residency experience, please contact Matt for more details.

Disclosures/Program Considerations.

The SunTrust Mortgage Doctor Loan is available only in AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA to licensed Residents, Interns, Fellows in MD and DO programs and licensed Physicians and Dentists (MD, DO, DDS, DMD) who have completed their training within the last ten years. Doctors with over ten years post training need to be members of SunTrust Private Wealth Management or belong to a practice that is part of Private Wealth Management to be eligible for this product. Subsequent time spent as a Teaching Attending does not count in this ten year period. Ten year restriction does not apply when refinancing an existing SunTrust Doctor Loan. Other program restrictions may apply, please consult your Loan Officer for details. Borrowers should note that 100% mortgage financing will result in no property equity until such time as the loan principal is paid down through regular mortgage payments and/or the property value appreciates. Additionally, if property values decline you could owe more than your property’s value.  A down payment may be required if the property is located in a declining market or if required by state regulations. Higher credit score requirements apply to loans with zero down payment. Additional down payment may be required if property is in a declining market or if required by state regulations. Adjustable Rate Mortgage (ARM) products have interest rates that may increase after consummation.

Equal Housing Lender. SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender. ©2016 SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc.