With over 20 years of experience as a mortgage loan officer, Kevin O'Connor is committed to serving medical industry professionals. Kevin applies market knowledge and expertise to secure financing for his clients' primary residences and second homes. By providing his clients with tailored mortgage financing solutions to fit their needs, Kevin has helped many physicians and dentists achieve the dream of home ownership along with first-time homebuyers as well as those seasoned real estate owners looking to refinance their current home(s). Truist Bank offers numerous niche products specifically for jumbo clients and first-time homebuyers. Kevin specializes in bringing peace of mind to his borrowers by practicing integrity, hard work and focusing all of his energy into ensuring that the needs and goals of his clients are met. About For more information about our Physician/Doctor Loan Program available, our Premier Jumbo Loan product or the many other mortgage financing programs we offer, please feel free to call Kevin O'Connor at 703.728.6129 or e-mail him at kevin.oconnor@truist.com. Advantages of Physician/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% financing for purchases and rate/term refinances * There is a maximum loan amount of $750,000 For Practicing Doctors (MD, DO, DDS, DMD, DPM), we offer: * 100% financing for loans up to $1 Million * 95% financing for loans up to $1.5 Million * 89.99% financing for loans up to $2.0 Million * Please note: Doctor clients who have completed their initial residency/internship/fellowship 10-15 years from application date are eligible up to a maximum of 89.99% financing. What you'll need to consider: * Loans are available in select states (AL, AR, CA, CT, DE, FL, GA, IN, KY, MD, MA, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, and 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 * A down payment may be required if the property is located in a declining market