Corporate Partners

    Corporate Partners

    Citizens One Home Loans - Bronze

    Financial Services


    Contact: David Benson, Physician Loan Specialist
    Address: 7930 West Kenton Circle, Suite 120, Huntersville, NC 28078
    Phone: 704.237.2025



    Doctor Loan Program

    • Up to 95% financing to $850,000, 89% to $1.5 million and 85% to anything above $1.5 million for purchases with NO PMI!!!
    • Up to 89% on construction permanent loans with a 12-month lock and a onetime closing (15/30-year fixed OR  5, 7 or 10-year ARMs)
    • NO PMI on our Physician loans
    • Available for licensed medical physicians, residents, researchers, interns, and fellows; including MDs (Medical Doctors), DOs (Doctors of Osteopathy) along with DMDs and DDS (including Dental Surgeons, Orthodontist and General Dentists)
    • Available in all 50 states.
    • Can use employment contract income and close on your home 60 days prior to employment start date
    • Student loans are not counted into the qualifying debt ratios if deferred at least 12 months following closing
    • Exceptions are possible for loan size to exceed $1m, along with other guidelines (maximum loan to value for an exception is 89%; please contact me for details)

    Available Products Include:

    30-year fixed, 15-year fixed, 10-year fixed, 20-year fixed, 3/1, 5/1, 7/1, 10/1 Adjustable Rate Mortgages (ARMs). 30-year amortization available on all ARMs. Interest only available up to 89% in conjunction with 5 or 7-year ARM.


    A single-close loan that combines construction and permanent financing. Also available for renovations and teardowns.

    • Permanent interest rate locked before construction begins
    • One loan qualification and one set of closing costs
    • During construction, borrowers only required to make interest payments calculated on disbursed funds
    • Jumbo and super jumbo loan amounts
    • Up to 90% financing with lender paid mortgage insurance for loan amounts up to $850,000 (primary residences only)
    • Fixed- and adjustable-rate mortgages; interest-only option available on select ARMs
    • Second homes eligible


    Mortgage Financing at extremely competitive interest rates for loan amounts over $417,000.

    • Jumbo and super jumbo loan amounts
    • For primary residences only:
    • Up to 95% financing with no mortgage insurance on purchase price $900,000
    • Up to 89% financing with no mortgage insurance on loans amounts up to $1,500,000
    • Up to 85% financing with no mortgage insurance (PMI) on loan above $1,500,000.  Maybe higher with an exception
    • Fixed- and adjustable-rate mortgages; interest-only option available on select ARMs

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