Brad Toland – Loan Officer (NMLS#278660)
In my ten year career as a professional mortgage lender, I have helped numerous physicians integrate their mortgage with their long-term financial goals. I started helping physicians obtain mortgage loans after I worked with two close friends who are in the same field make sense of the mortgage process. What I have learned over the years is that physicians work crazy hours and are deeply passionate about their chosen profession. They also quite often have little time to focus on their overall financial goals. My job as a mortgage lender is to make the mortgage process simple and easy for my clients so they can focus on what they enjoy. Veritas Funding (www.vfund.com) is a locally owned and operated company which specializes in low rates and great customer service.
Here is a short list of my past clients in the medical field:
- Dr. John Btler
- Dr. Kevin Parzych
- Dr. Edward Schultz
Keybank
Through my 7 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.
Doctor Loan Program details:
-Specific for new doctors. Less than 7 years out of school or residency
-Loans up to $1 Million
-No Private Mortgage Insurance (PMI)
-Maximum 90% loan to value or combined loan to value
-Owner occupied purchase or rate and term refinance
PIM References:
- Christopher & Jenny Pelt
- Kevin & Emily Tolton
“We shopped for mortgages for months, but there was nothing even comparably close to Key Bank’s amazing physician program. Key Bank understands the unique situation young physicians are in with a high debt load, but greater potential of future income. Their program is by far the best and without it, we would not have been able to buy our dream home right now. Ross and the team and Key Bank have been amazing during the entire home buying process being local, easy to reach and answering any questions we had, large or small. They did not take advantage of us with rates or terms. We are thrilled with our loan (and our home!) and knowing we have a local contact makes it that much better! We would recommend the physician program at Key Bank (and especially the mortgage team there) to any young physician. Thanks, Ross!”
Christopher E. Pelt, M.D. and Jenny L. Pelt, J.D., Park City, Utah
“Keybank has been great to work with. Ross and his team have given us great service on all of our financial needs. I would highly recommend them as a financial partner.”
Kevin Tolton, M.D. and Emily Tolton, Bountiful, Utah
Owner/Broker
Mitchell Mortgage
I am Mitch Mills, owner of Mitchell Mortgage, a mortgage lending institution active in the state of Utah. I have been a licensed real estate broker and/ or mortgage lender since 1991.
We offer a full array of loan products including Conventional, FHA, VA, and Zero-Down Utah Housing programs.
My status as an owner, along with Mitchell Mortgage’s unique legal structure, affords me the ability and full authority to offer exceptionally competitive rates with fair loan fees.
To contact me please call my mobile 801-680-0100 any time including evenings and weekends.
Click here to view testimonials.
PIM References:
- Dr. Andrea Matich
- Dr. Jessica Stahl
- Dr. Libby Kelly
(NMLS#219996) Utah Physician Home Loans At Citywide Home Loans
What makes us different?
- We offer solutions
- We give first class service to our physician clients
- We ask the right questions
Here are a few highlights of what we offer Physicians and Dentists:
- Deferred student loan payments never counted against you.
- We can use Self Employed or 1099 income with less than 12 months history.
- Finance over 80% of the purchase price of your new home without mortgage insurance.
- Close on your new home based on your contract and before your start date.
- Higher loan to value and loan amounts than anyone else.
Testimonials:
PIM References:
- Dr. Tricia and Derek Twelves
- Dr. Daniel and Amber Patty
- Dr. Casey and Haley Bachison
- More Physician References Available on Request
“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. Matthew Dahl, whitecoatinvestor.com
“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
“The day of the loan, he called us and told us we could actually lower the interest rate that day if we wanted to wait a few days, which I don’t think many lenders would ever do. So it was a great experience, I’d recommend him to anybody.”
Dr. Tricia and Derek Twelves
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: www.snmc.com/lindyparks 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
Certified Mortgage Planning Specialist, Holliday Financial
Over the past few years, Holliday Financial has successfully worked with thirty-three of the incoming Residents and Fellows! Additionally, we have originated home loans for fifty-nine local practicing physicians; some of them multiple times. That’s a lot of experience helping physicians negotiate through the home loan process.
Our website, www.hollidayfinancial.com, will give you an overview of who we are and what you can expect from us.
Your financing options begin with a “Conversation Toward a Solution”. We are here to talk. Call us today.
PIM References:
- Dr. Frank Bishop
- Dr. Sarah Blair
- Dr. Rachel Baar
- Dr. Christopher Canale
- Dr. Alicia Christiansen
- Dr. Stefani Day
- Dr. Anne Donohue
- Dr. Bryon Fergerson
- Dr. Per Gesteland
- Dr. David Gubler
- Dr. Andrea Hebert
- Dr. Andrew Kastenmeier
- Dr. Janet Lee
- Dr. Benjamin Lewis
- Dr. Bethany Lewis
- Dr. Amy Liepert
- Dr. Cindy Matsen
- Dr. Ian McMaster
- Dr. Richard Matthews
- Dr. Mir-Kasimov
- Dr. Grant Morshedi
- Dr. Toba Niazi
- Dr. Amelia Parrett
- Dr. Robert Pepper
- Dr. Cheryl Pirozzi
- Dr. Michael Pirozzi
- Dr. Amy Plagge
- Dr. Gary Schlichter
- Dr. Robert Simpson
- Dr. Scott Tadler
- Dr. Justin Thomas
- Xiaoying Wu
- Dr. Ben Voorheis
- More Physician References Available Upon Request.
“After going through two other mortgage lenders with no success, Steve helped us quickly secure a loan with ease. He understood the resident situation with student loan debt, and worked with us to navigate the ever-changing mortgage laws. He and his staff were efficient and timely with their work.”
Anna Morshedi, Partners in Medicine Member
