John E Hester

For over 30 years, John Hester has worked with a full spectrum of home buyers with a focus on helping Physicians and borrowers needing jumbo mortgages. Whether you are active duty military, civilian, a seasoned investor or a first-time home buyer, you can count on John to deliver excellent service and communication. Truist has some of the best programs and lowest rates for Physicians (MD, DO, DPM, DMD, DDS) Eligibility: *Licensed Residents, Interns, and Fellows in MD, DO, and DPM programs. *Licensed Physicians and Dentists (MD, DO, DDS, DMD, DPM) who have completed their training within the last 15 years. *Doctors with more than fifteen years post training need to be a client of, or belong to a practice that is a client of Truist Wealth. During internship, residency, and fellowship in MD, DO, and DPM programs: 100% LTV to $1M Fewer than 10 years since completion of training (residency or fellowship): *100% LTV to $1M *95% LTV to $1.5M *89.99% LTV to $2M Last year of medical school and waiting for match day? We can discuss your eligibility under this program. Qualifying with student loans? We understand and can help. Starting a new job and need to find a house? We allow closing up to 90 days prior to start date. Advantages of Doctor Loans: Fixed or adjustable-rate options What you'll need to consider: Loans are available in select states (Alabama, Arkansas, California, Connecticut, Delaware, Florida, Georgia, Indiana, Kentucky, Maryland, Massachusetts, Mississippi, New Jersey, North Carolina, Pennsylvania, Ohio, South Carolina, Tennessee, Texas, Virginia, West Virginia and Washington, DC) and require a banking relationship. Loans available in many other states with prior 1 year banking relationship. 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 A down payment may be required if the property is located in a declining market Buying a New Home from a Builder? Everyone has dreamed of owning a brand new home. Whether you are selecting a home in a new development or interviewing builders that offer custom build turnkey sales, we offer options that will help both you and your builder relax with our extended rate locks. Doctor Loan: lock a fixed or adjustable rate loan for 6 months, 9 months or 12 months. VA, conventional, or FHA (at or below the conforming loan limit): lock a fixed rate loan for 6 months, 9 months or 12 months What if rates drop after your lock? Ask John about your options to Float Down under the extended lock options. Call John anytime for more details.