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Routing # 211885946

Medical Mortgages

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Medical professionals can take advantage of this special offer. Baystate Health employees who meet the criteria below are strongly encouraged to apply!

Exclusive Benefits:

  • Purchase Loan Amount up to $1,000,000
  • 3% Down Payment
  • 97% Loan to Value
  • 2 Months of Reserves (CAN be gifted)
  • Credit Score as Low as >620
  • Max Debt to Income Ratio 50%**
  • Single Family Homes and Condos
  • Deferred Loan Debt


Borrower Requirements:

  • Medical resident, medical fellow, doctor of medicine, dental science, optometry, osteopathy, doctor of medicine, chiropractor (DC) or PhD in a non-medical profession
  • If resident or fellow, must have signed guarantee non-contingent employment contract OR be a graduate from a doctoral program
  •  Baystate Neighbor's Program

**Student loan debt may be excluded from the DTI calculation with documentation to evidence that the loan payments will be in deferment after the loan closing date. If there are multiple borrowers on loan with deferred student loan debt, the exclusion of student loan debt only applies to the borrower(s) with the designations meeting the program requirements. Maximum 97% LTV for purchases. PMI will be required over 80% LTV.

Not all will qualify. Not all will qualify for the lowest rate.