Sierra Pacific Mortgage understands the unique financial needs of medical and dental professionals who are in a residency program and/or a clinical fellowship program. That’s why our unique program provides new doctors and dentists with simple solutions to meet their home financing needs.

This program allows for student loan payments that are in a period of deferment or forbearance to be excluded from the debt calculation of a borrower’s monthly debt-to-income ratio. This is applicable for a borrower who has recently completed or is enrolled in a residency program and/or medical clinical fellowship program, provided the below requirements are met:

• Purchase or rate/term refinance. • One-unit primary residence.• 720 FICO score.• Documentation from the Student Loan Lienholder supporting the length of the deferment

or forbearance period and the requirement that the deferred debt will remain in a deferred status for a minimum of 12 months from the note date.

• Borrower must be a medical doctor or dentist in a medical residency program and/or medical clinical fellowship program.

Sierra Pacific Mortgage is committed to helping borrowers achieve sustainable homeownership.All rates and terms subject to change. This offer subject to borrower qualifi cations. Not a commitment to lend.

Simple Solutions forT O D A Y ’ S H E A L T H P R O F E S S I O N A L S

Ramona ChapmanNMLS #1753891 Loan Officerd - 316.260.5656c - 361.409.5569ramona.chapman@spmc.com

© 2018 Sierra Pacific Mortgage Company, Inc. NMLS ID #1788 (www.nmlsconsumeraccess.org). Kansas MC0025348 Not all borrowers will qualify. This is not a commitment to lend. Equal Housing Lender. KS SL.0000396, MO 14-1745-A (09/18)

LENDEREQUAL HOUSING