Guide to Physician Loan Programs
Going to medical school and becoming a physician can mean a high-paying and fulfilling career, but it can leave you with a hefty amount of debt. In 2016, nearly three-quarters of medical school grads had student loans, according to the Association of American Medical Colleges. The median debt amount was $190,000 in 2016.
The medical field offers a relatively stable and steady career path — the number of employed doctors is expected to increase by 15 percent between now and 2026, according to the Bureau of Labor Statistics, and the median pay is more than $200,000. But the initial amount of debt a student doctor takes on can get in the way of other plans, like applying for a mortgage and buying a home.
To help new doctors who might have lower credit scores, or who might seem like a more significant credit risk because of their med school loans, several banks offer physician mortgage loans. If you’re a recent med school grad who’s hoping to buy a home soon, learn more about doctor mortgages in Pennsylvania and see if they are an option for you.
What Is a Physician Mortgage Loan?
A physician mortgage loan recognizes doctors have the potential to earn a lot of money, but also acknowledges many recent med school grads are financially a few years behind other people their age. For that reason, physician loans often have looser down payment requirements and might let you get a mortgage, even if you have a lot of other debt.
As a doctor, you’re likely to end up earning more than your high school buddy who went on to become an accountant or to work in marketing. But that buddy of yours also ended up needing a lot less schooling, and was able to get a jump-start on being an adult. While you were in student housing, he or she was saving up a down payment and buying a starter home. A physician’s mortgage can let you catch up to your friends and become a homeowner soon after medical school, rather than later.
Another key thing to know about a doctor’s mortgage is this: It can be a jumbo loan, meaning it can be for an amount over $424,000 in many states — the amount can be even higher if you live in an area with a high cost of living. Since the amount you can borrow as part of a jumbo mortgage program is so great, most jumbo loans have pretty strict terms when it comes to choosing a borrower.
That’s not the case with a physician’s loan. Though you — as a young doctor fresh out of medical school — might not look like the ideal high-value borrower, banks that offer doctor’s loans are anticipating you’ll be a low-risk borrower. The banks are also expecting you’ll be willing and able to pay slightly higher interest rates, and that you won’t be too put out by paying a few additional fees.
Another thing banks are counting on when they offer doctor’s loans is that in the future, you’ll be able to borrow even more from them, or you’ll turn to that bank for all of your other financial needs.
Though the specifics and requirements of a doctor’s mortgage program vary from bank to bank, they often include these features:
- Higher-than-average loan amounts — usually up to $1 million, sometimes more.
- Generous loan-to-value ratios — can be up to 100 percent in some cases, meaning you borrow the full value of your home, rather than making a down payment.
- Often no private mortgage insurance needed.
- Will use offer letter as proof of income.
- Available for primary residences only.
- Fixed or adjustable interest rates often available.
- Lower-than-average minimum credit scores — sometimes as low as 680.
- Occasionally require at least a few months of cash reserves of principal, interest, taxes and insurance (PITI).
What States Offer Doctor Mortgages? Â
You can find a doctor’s mortgage in every state, although not every bank offers the loans in every state. While some national financial institutions operate in every state in the U.S., not all do.
For example, some banks offer doctor loan programs in just a handful of states, or in some cases, in just one or two states, where those banks have branches. A considerable number of banks offer programs in 20 or so states, while some operate in all 50 states.
Benefits of Doctor Loan ProgramsÂ
For a doctor who’s just starting out in your career, a physician’s mortgage can offer several benefits. Those benefits include:
- Little to no down payment — You’ve just spent four years living as a student, plus a few more years living hand-to-mouth as a resident or fellow. You most likely don’t have much saved up, and if you do, you might not want to end up house-rich, but cash-poor. While the exact down payment requirements vary from loan to loan, a few will let you put down as little as 5 percent, while some don’t require a down payment at all.
- Calculate your debt-to-income ratio using income-based or pay-as-you-earn repayment plans for student loans — If you borrowed a lot for med school, the amount you need to repay each month could push your debt-to-income ratio over the limit for a qualified mortgage: 43 percent. But some programs will use the amount you pay on your loans on an income-based repayment or pay-as-you-earn repayment plan, which caps the loan payment to 10 or 15 percent of your discretionary income. If you have deferred your student loan payments, the lender might not include them at all when calculating your debt-to-income ratio.
- Usually, no private mortgage insurance (PMI) required — Some mortgage programs let you make a lower down payment, but in return, you’re expected to pay PMI each month, to protect the lender in case you stop paying your loan. One of the drawbacks of PMI is you can’t deduct the amount you pay toward it from your income if you earn over a certain amount. Another drawback is that it adds to the cost of your mortgage. Many physician mortgage programs don’t require PMI.
- No need for proof of income — While you typically need to provide tax returns or paycheck stubs when getting a conventional mortgage, many physician loan programs will take your offer letter, as long as you will begin your new job within a few months. Some mortgage programs for doctors accept residents, fellows and interns — even though those doctors-in-training earn considerably less than full-fledged physicians.
- Interest options — Many physician loan programs offer you the option of a fixed-rate mortgage — usually for 15- or 30-year terms. Some also include the possibility of an adjustable-rate mortgage — generally for five- or seven-year terms.
- Interest rate stays the same whether the loan is “jumbo” or not — Typically, jumbo mortgages charge higher interest rates. That’s not the case with a doctor’s mortgage, although the interest rate might be higher when compared to a conventional mortgage.
- Accepts lower credit scores — The minimum credit score accepted varies by program and by how much you put down, but some programs will accept scores as low as 680.
- More flexible cash reserves options — Some doctor’s home loan programs let you count money in retirement accounts as part of your cash reserves, which doesn’t often happen with conventional mortgages.
Banks That Offer Physician Mortgages in Pennsylvania
In Pennsylvania, several banks offer physician’s mortgages. The requirements for the home loans vary from bank to bank. Here’s a look at a few options:
- BB&T — BB&T offers physician’s mortgages to interns, residents and fellows and to licensed doctors who finished their residency, fellowship or internship within the past decade. The loans are available to medical doctors, dentists, optometrists, podiatrists and chiropractors. The maximum loan amount available depends on whether you are a licensed physician or are still in training. Doctors in training — residents, interns and fellows — can borrow up to $850,000, while licensed physicians can borrow up to $1 million. The size of your down payment also depends on where you are in your career and the amount you borrow.
- Citizen’s Bank — Citizen’s Bank also offers doctor’s loans for up to $1 million, with either up to 89 percent financing — without PMI — or up to 95 percent financing — with PMI. The mortgage program doesn’t include deferred student loan payments when calculating the debt-to-income ratio.
- Fifth Third — Fifth Third has two physician mortgage programs: one for licensed doctors and one for doctors who are still in training or who are in their first year of practice. The program for residents, interns, fellows and new doctors requires a minimum credit score of 680. The lower the credit score, the higher the down payment. You need to put 5 percent down if your score is 680, but can put nothing down if your score is 700. You’re also eligible to receive a jumbo loan amount if your score is above 700.
- Fulton Mortgage Company — Fulton Mortgage Company offers loans to physicians of up to $1.5 million with 100 percent financing. If your credit score is 700 or higher, you don’t need to pay PMI. Additionally, you can obtain the loan with an offer letter, and can close on the home 60 days before you begin your job. The mortgages are available for MDs, dentists, vets and pharmacists who completed their training within the past decade.
- Mortgage Network — Mortgage Network’s physician loan program is more restrictive in some areas and less restrictive in others, compared to other doctor’s mortgages available. It’s only open to MDs, and you need to have six months of cash reserves for PITI. But it accepts applicants with credit scores as low as 680, and it follows Fannie Mae/Freddie Mac’s guidelines for deferred student loans. You can borrow up to $1 million and can obtain up to 95 percent financing with PMI.
- PNC — PNC’s doctor mortgage program is available to interns, residents, fellows and licensed doctors who completed their training within the past five years. It offers loan amounts up to $1 million, adjustable or fixed interest rates and doesn’t require PMI.
Things to Think About: Other Alternatives to a Physician’s Mortgage  Â
Is a physician’s mortgage the best option for you? That all depends on a few key factors. A doctor’s home loan can seem appealing, because it lets you buy a more expensive home than you would otherwise have access to — and in some cases, makes it possible for you to get a mortgage at all. However, it’s not always the best option.
Depending on your specific situation, other mortgage programs might be less expensive and offer you a considerable amount of flexibility. For example, if you are a veteran, active service member or the surviving spouse of a person who served in the military, you might qualify for a Veterans Affairs home loan. VA loans don’t require a down payment or PMI. They also often have lower closing costs, and the VA can provide some assistance if you experience difficulty paying your loan in the future.
VA home loans are only for people who have some connection to the military, though. So if you weren’t married to a service member or didn’t serve yourself, they are completely off-limits.
It’s also worth considering your plans for the future when deciding whether or not to buy a home or apply for a doctor’s mortgage. Although some programs do make loans available to interns and other doctors-in-training, you need to seriously consider whether buying a home makes sense for you at this stage in your career.
Depending on the type of medicine you want to practice, it’s very likely you will spend two or three years in a residency program at one hospital, then move on to a fellowship somewhere else or end up practicing somewhere else. If you plan on moving within just a few years, it’s often more cost-effective to rent a home, rather than buy it, especially if you aren’t putting much or any money down. For that reason, it might make sense to postpone buying until you’ve got a job offer as a licensed physician and anticipate remaining in an area and the same position for five or more years.
Do Other Medical Professionals Qualify for Physician’s Loan Programs?
Generally speaking, physician’s mortgage programs are only available to doctors or people who are in training to become a medical doctor. Some programs do expand the definition of doctor to include optometrists, vets, dentists and podiatrists, but other programs only offer mortgages to people who are MDs. That means, in some cases, doctors who trained to become doctors of osteopathic medicine (DOs) might not qualify for the mortgages, since they aren’t MDs.
If you are a nurse practitioner or other medical professional — but not an MD or different type of doctor — you might qualify for other mortgage programs to help you buy a home, such as an FHA loan or a VA loan if you served in the military.
If you’re a physician who’s recently finished a fellowship or residency and are looking to buy a home and begin practicing in York, Penn., contact Century 21 Core Partners today. We know the market in York and the surrounding area, including northern Maryland and south-central Pennsylvania, as no one else does. For expert assistance finding and buying your new home, get in touch today.
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Client Testimonial for Stacey Zimnicky
“Miss Stacy was the best, was available anytime of the day answered all of our questions took care of all our concerns. With everything being so uncertain due to covid 19 she still made everything happen in a timely manner .We were extremely comfortable with every decision we made with Stacy and grateful she was in our corner.
Miss Stacy explain everything in detail in a way we could understand .We had a lot of questions and she had all the answers and when she did not she got the answers asap for us ,very professional and down to earth.”
Nastashia Mechanicsburg pa
January 5, 2021
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Client Testimonial for Susan Spahr
“We were referred by my daughters friend, I had a previous realtor and was not satisfied with her, we were in South Carolina looking to relocate, we have family here. Susan Spahr worked with us and my daughter who lives in York, we had to do a virtual tour and she made it easy. She sent us listings and took my daughter on the tour. She was very hands on thru text, emails and phone calls, anytime I had a question she was there with an answer. She took care of the inspection and kept us informed because we we in South Carolina and our dog had surgery so we could not travel. She was a pleasure to work with and I absolutely would recommend her to anyone, she is an asset to Century 21.”
Bonnie Lewis now of York, PA
January 5, 2021
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Client Testimonial for Michael Segarra
“Michael was a phenomenal agent to represent us in selling our home. Michael provided excellent insight and used his years of experience to help us get our home sold for maximum dollar.
He guided us from the initial tour of our home, through photos and showings. His excellent negation skills though home inspections made it a stress free experience for us and we breezed through closing. Michael was able ti iron out any bumps along the way for us and we were thrilled with the results.
Onto of all of that Michael is a great person and an absolute joy to work with.”
Nick, York, PA
January 5, 2021
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Client Testimonial for Susan Spahr
“We moved from TX to PA - not an easy task. Sue Spahr went above and beyond for us - even showed us homes via facetime! We love Sue and would recommend her again and again!”
Lori Allen, Wrightsville, PA
January 5, 2021
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Client Testimonial for Eva Kelly
“Very quick to get back even with the simplest of questions”
Diane- York
January 5, 2021
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Client Testimonial for Heather Bradley
“Heather was listing agent on a property I put an offer in on and did not get, however it became clear during that process I wanted to use her as my agent, even if it was as a dual agent because she handled that initial situation with absolute integrity.
Heather could not have been more responsive and attentive to any and all questions I had throughout the entire process.
Outstanding performance from beginning to end of process.
I would recommend Heather to any of my friends and family.”
Lonny Smouse, Hughesville
January 5, 2021
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Client Testimonial for Okwy Eniang
“She is the best there is in home acquisition. She will follow up on your behalf without you reminding her. She is very thorough”
Roy Enehiroana , Odenton, MD
January 5, 2021
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Client Testimonial for Eva Kelly
“Eva was exceptional to work with. I worked with her for nearly 2 years looking at properties until finally closing on the perfect house. Her service with me as a her client was the same from day one until( and even after) settlement. I would highly recommend Eva to anyone looking for a friendly and professional experience.”
Chris Seletzky, New Oxford
January 5, 2021
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Client Testimonial for Eva Kelly
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January 5, 2021
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Client Testimonial for Susan Spahr
“I met Susan in 2016 while working for AT&T. Who would’ve known that a simple sale / upgrade of a cell phone would turn out like this. Through the years following, she made 2 trips to our home and gave us her honest unbiased opinion about what we should do to get our property ready for market. Thanks to Susan, our home sold in 4 days!! I feel like not only did I have an agent, but a good friend in the end. Thank you Susan for being there and helping us achieve our goal.
David and Roberta Sponseller”
David Sponseller 65 Katelyn Drive New Oxford PA
January 5, 2021
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Client Testimonial for Edward Gonzales
“Mr. Gonzales did a great job helping me sell my house! This was my first time selling and it had been 18 year since I bought the house so I am grateful for the time he took to explain everything to me and his guidance throughout the process. He was spot on as far as selling price and marketing techniques to get the house sold.”
Melanie, Stewartstown, PA
January 5, 2021
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Client Testimonial for Susan Spahr
“Incredibly helpful”
Cody Wilson York
January 5, 2021
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Client Testimonial for Susan Spahr
“She went out of her way, above and beyond, to help us with closing. It really came down to the wire and it only ended up happening that day due to her efforts.”
Robert, York
January 5, 2021
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Client Testimonial for Eva Kelly
“It was never a question of who I was going to go with when choosing the right person for the job. Eva is incredibly knowledgeable and always takes the time to answer any questions that I have. She is a joy to work with and whenever anyone I know is thinking of buying or selling I always suggest contacting Eva.
Everyone that I’ve encountered at Century 21 have been extremely nice and it’s just an environment that immediately puts you at ease. The team works together and you can just tell that they all have a great relationship with each other.”
Sarah Bair, Manchester
January 5, 2021
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Client Testimonial for Laura Cooley
“Laura was recommended to us by a co worker and we are so grateful for the recommendation. Laura was all around such an amazing agent.”
Elidia Mares, Pennsylvania
January 5, 2021
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Client Testimonial for Heather Bradley
“Heather was amazing, she had my house sell within a week.
I did not have any problems at all everything was fast and easy
Thank you Heather, It still means a lot to us”
Tanya Fishel, Thomasville
January 5, 2021
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Client Testimonial for Heather Bradley
“Heather went above and beyond to not only help us find the house of our dreams, but also walk us through the process of buying our first home. We are so grateful for all her experience and help through the process!
Heather was so kind and knowledge through the entire process! I feel like the word excellent does not do justice to the grates listed above. It always seemed like she went above and beyond to help us at any time of day!”
Josh Bentzel, Dover
January 5, 2021
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Client Testimonial for Susan Spahr
“Always keep great communication Always answered all questions if she didn't know the answer she will find it. Fast working. Hard work. Flexible. Honest .great people and communication skilled.
She's great. Knowledgeable. Honest Becomes one of the family. Out going friendly. Would refer her to family and friends.”
Edward & Adlih york,pa
January 5, 2021
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Client Testimonial for Dwayne Piper
“They listened to what we were looking for and the price range we wanted to stay in. We're available to show us houses quickly”
Stephen Perkins Biglerville
January 5, 2021
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Client Testimonial for Rocio Palacios
“She is very professional and very Polite.”
Adolfo Burgos, York PA
January 5, 2021
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Client Testimonial for Michael Segarra
“Michael was wonderful to work with. He listened to our needs for both buying a new home as well as selling our existing home, and worked tirelessly to ensure a smooth sale and purchase. We recommend him wholeheartedly.”
Diana & Adam, Harrisburg
January 5, 2021
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Client Testimonial for Susan Spahr
“Susan is a very knowledgeable and friendly agent. She is extremely efficient and organized, in addition to being very patient and flexible. Susan makes her clients feel comfortable with the entire home selling process and she treats everyone with respect and dignity. She works very hard at making sure her clients are informed, satisfied and encouraged. We would highly recommend Susan and will most definitely use her services in the future!”
Chris and Natalie Suit York, PA
January 5, 2021
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Client Testimonial for Michael Segarra
“Michael is a hard worker and is very dedicated to his clients. He had a good understanding of our needs and was very flexible. He went above and beyond to meet us at times that were convenient for our family. Michael knows a lot about the area and was able to help us to find our dream home! I would highly recommend using him as your agent!”
Sabrina Hensel, York, PA
January 5, 2021
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Client Testimonial for Ingrid Shuey
“Ingrid Shuey is a very professional real estate broker at work. There is no obstacle for her that cannot find a solution for her. She is 100% bilingual, helping many Hispanics to fulfill their dreams of owning their own home.”
Ivan Rodriguez, York
January 5, 2021
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Client Testimonial for Okwy Eniang
“Okwy is the best real estate agent in the DMV area. She prayed along with us throughout the entire process and was extremely supportive and helpful. We could not have asked for a better agent. We would definitely recommend.”
Adebayo, Windsor Mill
January 5, 2021
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Client Testimonial for Dwayne Piper
“Great job, so patient and understanding. Dwayne and Gina Piper have an awesome.personality and were so helpful and informative. I would highly recommend them.”
Darlene Ennis York County
January 5, 2021
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Client Testimonial for Stacey Zimnicky
“Stacey was amazing from our first meeting with her. She is helpful and knowledgeable in the York area. She quickly responded to my hundreds of questions and never made us feel like an inconvenience. Enjoyed working with Stacey and will again, if needed!”
Jason, York PA
January 5, 2021
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Client Testimonial for Heather Bradley
“Absolutely incredible experience. Heather has an awesome personality, is extremely knowledgeable, and has great attention to detail. This was my first time buying a home and she (and the loan officer, Mike Cersei), were nothing shy of amazing. They made all of my financial options crystal clear, as well as Heather’s experience and attention to detail with even the smallest aspects of the home I purchased. She has the ability to be the friendliest person you’ve ever met, and flip a switch when it comes to negotiation with other agents and getting you exactly what you want at the price you want it. That cannot be taught. Overall fantastic experience and I thank her and her team for my first home.”
Phillip Matthews, Exeter PA
January 5, 2021
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Client Testimonial for Elle Hale
“I am in the business of purchasing investment properties. Elle is the only agent I would use. She is knowledgeable about real estate, passionate about doing what's best for her clients, and studies the market to get the best possible property for the best price. Here, she provided me with critical information on the market value of the property. She negotiated a good price given the market status right now (being a seller's market). She made sure the settlement was on track at all times and communicated with me often to ensure that I knew the status. Settlement went on schedule with no complications. That is what is most important to me (and I think this should be added to your survey) - communication. Often buyers/sellers do not know how this process works. Agents should be guiding them through the process as it unfolds. This is what sets Elle apart from others. She was there with me throughout the entire process. I was not "just another sale." I was and always will be her client.
Thank you, Elle, for making this deal go so smoothly.”
TWHale PA Properties, LLC, Spring Grove, PA
January 5, 2021
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Client Testimonial for Susan Spahr
“Susan is absolutely wonderful. I had worked with her previously and wished to work with her again. Susan does such a fantastic job, that I recommend her to my friends and coworkers. I look forward to working with Susan in the future.
Susan was not only professional but put me at ease with selling my house. I have a very hectic work schedule and Susan made sure she was available for questions at all times of the day. Susan is a spectacular realtor and person.”
Cat Mechanicsburg
January 5, 2021
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Client Testimonial for Shanna Geistwite
“Shanna was very approachable and easy to work with. I was always able to reach her no matter the time of day. The market is moving very quickly, but she was able to show us just what we were looking for!”
Andrea McDaniel, New Cumberland PA
January 5, 2021
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Client Testimonial for Heather Bradley
“Heather is the #1 agent in South Central, PA!!!!!”
Smokey, York, PA
January 5, 2021
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Client Testimonial for Rocio Palacios
“Rocio Palacios very professional and I feel confortable worked with her, very nice experience, I really recommend her to friends and families”
Ivette Rosado York PA
January 5, 2021
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Client Testimonial for Susan Spahr
“Susan Spahr did a fabulous job guiding me through the home-buying process. I felt extremely safe entrusting Susan with all the aspects of purchasing a home. She made the whole process simple and easy to understand as a first time home-buyer. I would highly recommend Susan to anyone looking to purchase their own property.”
Haley Laird, York
January 5, 2021
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Client Testimonial for Dwayne Piper
“Dwyane Piper went above and beyond the call of duty to ensure the very best experience. The old owner, a very sweet elderly widow had 3 lifetimes worth of items in the home. Dwayne actually assisted her (not his customer) meeting her deadline for closing. He is one of the most kind and compassionate people I have ever meet. Hi did this while maintaining her dignity and comfort level....so great to see professionalism and compassion can co exist.”
Will and Alyson Hudson
January 5, 2021
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Client Testimonial for Heather Bradley
“We had what we thought would be a difficult piece of property to sell. I spoke with Heather Bradley and, in one phone call, she knew what our plans were and how to best execute them. Thanks to her research and hard work we were able to have the property sell within just a few weeks.”
Amy Donelson Red Lion PA
January 5, 2021
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Client Testimonial for Heather Bradley
“Heather tirelessly helped me search for a great home for my family in a difficult market when we were often up against multiple offers. She was professional and dedicated. She helped me get the house I wanted even when I was starting to get discouraged!”
Emily B., York, PA
January 5, 2021
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Client Testimonial for Eva Kelly
“Eva Kelly will work hard for you. She is always able to be contacted and is very knowledgeable. She makes buying and selling a home very easy!”
Adam, York.
January 5, 2021
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Client Testimonial for Susan Spahr
“Susan is hands down my only choice to ever go through this process with again. It was almost sad to finally be moved into our house. She felt like family by the end, with her care and concern, that lasted far past the ink drying on the paperwork”
Tanya Brunch, York, PA
January 5, 2021
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Client Testimonial for Heather Bradley
“Heather was amazing from start to finish! She really put herself in our shoes and made decisions based on what the seller would want or need. She was very knowledgeable and clear on the process and walked us through everything. We appreciate all the work she did in getting our home sold!! She went above and beyond to ensure we closed in a timely matter including all hiccups on the buyers side. Thank you Heather!”
Jillian and Robert DiBiase
January 5, 2021
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Client Testimonial for Eva Kelly
“I am a first time homebuyer. Eva was so on top of making sure I understood and reaching out to the listing agent for my new home, especially when he was hard to get a hold of. Eva was easily contacted at any time. She is knowledgeable for the area and had excellent suggestions. She was recommended to me by a coworker who had the best recommendation of her as well. I would 100 percent recommend her and use her again as an agent should I need.”
Anna Mathew, York
January 5, 2021
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Client Testimonial for Stephanie Mrozinski
“She was outstanding and could not have made this move from florida to here without her”
tim deatrick york
January 5, 2021
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Client Testimonial for Christian Maldonado
“I strongly recommend Christian to anyone that needs the work of a realtor.”
Yenni Espinal, Manchester PA.
January 5, 2021
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Client Testimonial for Susan Spahr
“Susan was fantastic to work with. She was patient and understanding. She sent me MLS disclosures and information on houses I was just curious about, which made my process a lot easier. I literally had no issues with the whole home buying process and I have to commend her for that! I would recommend her to anyone and look forward to working with her again in the future.”
Travis Whitson, York PA
January 5, 2021
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Client Testimonial for Megan Bell
“Megan was a terrific help! She answered all my questions promptly, and always got back to me quickly, if not right away. She made sure everything was going smoothly for us and even got us a little housewarming gift, with things I actually needed, for my house! Megan was great! I definately recommend her, if you're looking into buying a home!”
Ashley McKinsey, Dallastown
January 5, 2021
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Client Testimonial for Susan Spahr
“I heard of it’s friendly and professional people from another person
She was just a text or a call away”
Elery González
January 5, 2021
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Client Testimonial for Susan Spahr
“Susan makes the process enjoyable!! I have sold/purchased homes with Susan in the past and I never ever worry about missed details, forgotten paperwork or miscommunication. She explains the process with patience and professionalism, then follows up with detailed correspondence and time lines. Susan is kind, understanding, thorough, transparent and keeps the process painless and stress free for everyone !!! I would recommend Susan 100%!!! I am extremely grateful for her professionalism and compassion!!!”
Ande - York PA
January 5, 2021
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Client Testimonial for Stacey Zimnicky
“I have been working with Stacey to find my forever home for three years. To say I was picky was putting it mildly. She never wavered and every time I asked to see a property she scheduled a showing. I was looking for a home in a very sought after school district and as quickly as I would ask to see a house it would be off the market. We had toured so many homes that for the last few months she could tell by my face the minute we walked into a house that it wasn't the one. She was always helpful and honest. If I ever have to or want to move again, there is no question in my mind, I would call Stacey immediately!”
Erin Treffinger, York, PA
January 5, 2021
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Client Testimonial for Michael Segarra
“Michael was very easy to work with , he was very knowledgeable years of experience which is what I needed due to my circumstances with my home. He sold my home within less than 24hours and got me out of a hardship situation. Grateful.”
Melanie , Orlando FL
January 5, 2021
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Client Testimonial for Scott Wilburn
“Scott was very prompt with answering my questions.
He listened to us when we explained what we were looking for, and helped us find houses that fit our needs.”
Michelle Bailey, red lion
January 5, 2021
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