SunTrust Mortgage

James Raby, NMLSR#: 106857


Charlotte & Winston Salem, NC


Jim Raby has helped many people achieve their goal of homeownership. Whether you are a first-time home buyer or refinancing an existing loan, Jim has a solid understanding of the local real estate market and what it takes to close your loan with efficiency and expertise.

Whether you want to buy a house, build your dream home or refinance your existing mortgage, we can help you find the financing solution that's right for you. Jim has experience in all types of loan programs and is always available to help you with your mortgage needs. A proven mortgage professional, his attention to detail will make your mortgage process run smoothly and easily.

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, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC and select counties in PA)
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