Category Archives: Mortgage Lenders

Nick Zimmerman

Image of Ross

During my twelve years at KeyBank I have partnered with the emerging affluent to achieve their financial goals. In the last few years I have concentrated my efforts on those individuals within the medical profession. Because of our one of a kind mortgage product we have become a preferred financial institution for medical professionals.  As a community bank, one of my main priorities over the last twelve years is to serve the needs of our area, specifically assisting the emerging affluent medical professionals.  Our loan designed with the Doctors in our community in mind has allowed us to become the preferred financial institution for MDs.

Doctor Loan Program details:

Our program offers home financing for your primary residence and features:

  • Loans up to $1.5 million
  • 100% loan-to-value (LTV) to $750,000
  • 95% loan-to-value (LTV) to $1 million
  • 90% loan-to-value (LTV) to $1.5 million
  • No Private Mortgage Insurance (PMI)
  • Personalized service
  • Owner-occupied purchase and rate/term refinance
  • Available for several property types

KeyBank also offers jumbo mortgages up to $3.5 million, and our exclusive GoldKey program, which allows asset depletion for additional qualifying income. Your mortgage can be a vital element of any wealth management plan. Let us help you achieve your goals with appropriate credit/loan solutions.

Josh Mettle

Josh Mettle, Director of Physician Lending — NMLS#219996

Phone: (385) 355-2130

Cell: (801) 699-4287



Physician Home Loans at Fairway Independent Mortgage Corporation

Corp. NMLS #219996


Residents, Fellows, Established Physicians and all Medical Professionals

  • Up to 97% Financing Options*
  • Depending on your specific loan program, you may be eligible to save thousands by avoiding monthly mortgage insurance premiums
  • Qualify with Income-Based Repayment(IBR) Student Loans!
  • Close 90 days prior to start date on employment contract!
  • Gifted down payment and closing costs okay!


41ywosBXXTL._SY344_BO1,204,203,200_Wouldn’t it be great if there was a step by step guide that would help you avoid the land mines that most commonly lead to surprising last minute declines? Josh wrote that book and he’d like to offer you a free copy. Please click here to claim yours!

**Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits. Subject to individual program requirements and eligibility. This is an offer for a lender-paid consultation. There is no fee charged for the consultation. Fairway is not affiliated with any government agencies. These materials are not from VA, HUD or FHA, and were not approved by VA, HUD or FHA, or any other government agency. Copyright©2018 Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. All rights reserved. AZ #BK-0904162. Licensed by the Department of Business Oversight under the California Finance Lenders Law. Loans made or arranged pursuant to a California Finance Lenders Law License. Georgia Residential Mortgage Licensee. Georgia Mortgage Lender License #21158. Illinois Residential Mortgage Licensee. MA Mortgage Broker License #MC2289. Licensed Nevada Mortgage Lender. Licensed by the NJ Department of Banking and Insurance. Rhode Island Licensed Broker & Lender. TX Location: 1800 Golden Trail, Carrollton, TX 75010. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval.



“My experience working with Josh and his team was a positive one. They made it as easy and painless as possible. Even when my refinance became more difficult than originally anticipated they handled it professionally and efficiently. They are very organized and do a great job communicating during the entire process. I would highly recommend them to anyone looking to refinance their mortgage.”
Dr. James M. Dahle, MD, FACEP, Editor of The White Coat Investor

“If anyone out there paid as much attention to a loan as Josh Mettle and his group, more people would be able to get the funding needed to close on a home. I appreciate the detail and time that was spent in getting us closed. Thank you so much.”
Dr. Craig Taylor, DDS, and Allison Taylor

“We have been very impressed with Josh and his team. In fact, I first learned of Josh through one of my physician clients. The feedback was so outstanding that I decided to contact Josh directly and meet. Since that time, we have been extremely impressed with Josh’s knowledge, customer service and strong desire to continually do what is right for his clients. As a result, we have been referring our clients to Josh and the feedback continues to be exceptional!”
Jeff Zesiger, Vice President – Utah Medical Association Financial Services

“We just wanted to send a note of THANKS for helping us prepare and secure our loan for our home. Thank you for your professionalism and service. Everything went well with closing. Thank you for having everything in order. We appreciate your efforts.”
Sarah and Jeff Hirschi, M.D., Utah Emergency Physicians

PIM References:

  • Dr. Michael Warden, University of Utah School of Medicine, Resident Physicianimage5e7b75
  • Dr. Scott Parker, Resident Physician, University of Utah School of Medicine
  • Dr. James Ballard, Physician, Intermountain Health Care
  • More Physician References Available on Request


Lindy Parks

Mortgage Loan Consultant, Security National Mortgage

I have worked helping Utah families and individuals with their mortgage needs for over 14 years. My experience working with clients moving from out of state for the residency program and my understanding of residency contracts can help make the process much quicker and easier.

In addition I understand that buying a home can be overwhelming and confusing. My goal is to make the process straightforward and smooth from start to finish.

Working with the right lender and company can make or break your deal and this makes me well equipped to serve my clients. With in-house processing, underwriting and funding, as well as a full spectrum of mortgage products I can offer the best loan for your needs.

Whether you are a first-time home buyer, a move-up buyer, or want to refinance, I will take the time to understand your goals and I take pride in keeping my clients informed of the progress all the way to and through the closing.

I have also arranged special discounts for University of Utah residents. Please visit my website at: for more information.


PIM References:

        • Dr. Georgia Kubic
        • Dr. Trevor Smith
        • Dr. Theadora Sakata


“Lindy was a great help in the home buying process. She was able to work with our purchasing timeline when other companies were not. She made buying a home from out of state manageable, and was there to answer our questions every step of the way.”  
Trevor Smith

“Marissa and I wanted to thank you for the professionalism and hard work in managing our loan which I just finished signing about an hour ago. I approached you a month ago with a hurried phone call because I was dissatisfied with the loan options available with every other lender I had worked with up to that point. I almost couldn’t believe that you could provide the product you described, but I appreciate your candor and confidence that you could see my loan through and you’ve delivered on your word. Furthermore, I appreciate your willingness to answer all of my questions and respond very promptly with every correspondence. Marissa couldn’t believe how quickly you responded to my emails last night as we were finishing up details late in the evening, a characteristic of yours that has been consistent throughout the entire process. Finally, thanks for being patient with me as a first time home buyer, unrepresented by a real estate agent and by nature a very thorough (probably in excess) person.”
Dr. Daniel O’ Dell, Anesthesiology

“Lindy was a great help in the home buying process. She was able to work with our purchasing timeline when other companies were not. She made buying a home from out of state manageable and was there to answer our questions every step of the way.”
Dr. Trevor Smith, Internal Medicine