Preferred Partners

Physician Mortgage Loan Programs

Mortgage Loan Officer

Sandi Frith
NMLS ID: 564023
Phone: (586) 749-8355
Email: [email protected]

#1 Top Producer - Physician Specialist and Luxury Home Specialist

We offer ZERO Down up to $1,000,000, 5% Down from $1,000,001 to $1,250,000, 10% Down from $1,250,001 to $2,000,000 and NO PMI.  We will utilize the Employment Contract and will not require a Paystub before closing.  Minimum Credit Score Requirements are 700 and we require a minimum of 2 months Reserves (6 months for loans OVER $647,200) shown in a Bank Account or Investment Account.  Gifts are Acceptable! The programs we currently offer are the Fixed Rate ARM products such as the 7/6, 10/6 and 15/6 ARM’s and a 30 Year Fixed and 15 Year Fixed. I work with all Dentists, Veterinarians, Residents/Fellows and Attending Physicians.  With this said, I can promise you the utmost knowledge and service in assisting you with home financing.


Mortgage Loan Officer

Jonathan Brozek
NMLS ID: 850168
Phone: (916) 788-7982
Email: [email protected]

No matter where you are in the home buying process, I can help.

As a mortgage loan officer, I work with you to help you find the right mortgage for your unique situation. You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you.

Private Lending Officer

Michael DeRaspe
NMLS ID: 470264
Phone: (603) 828-1743
Email: [email protected]

I’ve worked exclusively with Doctors for the last 10 of my 20 years in mortgage lending, ranked #1 at KeyBank, ranked in the top 10 among all lenders (purchase transactions).

Program Highlights:

100% financing up to $1,000,000 loan amounts, 5% down up to $1,500,000 (1.57MM sales price), 15% down up to $2,000,000 (2.35MM sales price)- NO PMI.  Higher loan amounts available and gifts permitted for down payment.

Employment start date can be up to 90 days after closing utilizing future income.

Income-driven student loan payments utilized when computing debt to income ratios.

700 minimum credit score, and a cap of 50% debt to income ratios.

A range of fixed- and adjustable-rate loans.  30,25,20,15,10yr fixed and 5/6,7/6, and 10/6 ARMs.

No minimum or maximum years in practice.

2 months reserves for loans under 500k, 4 months over 500k, 6 months over 750k, plus additional 2 months if closing prior start date.  Gifts permitted and we count retirement accounts. Reserves are not collected, only verified.

US Citizens, Permanent residents, and H1B Visa.

No pre-payment penalties.

*CA loans require 5% down.

Healthcare, Military and First Responders


Nightingale Advantage is different. A mortgage program through MasonMac Mortgage, created six years ago after a medical emergency to say “thank you” to those who give back every day.

Nightingale is for everyone in healthcare, all military and all first responders. The give back is 1% of the loan amount. A mortgage of 497K will get the buyer a credit of $4970 at closing to be used for costs or to buy down the rate. Nightingale Advantage can be found on the internal employee benefits websites of several major healthcare systems. Call 303-901-9975 with any questions, check us out at and follow us on the various social media platforms

Temporary Housing

Doctor Relocation by RE/MAX has partnered with Travelers Haven for their workforce housing on-demand program.

Physician Success Coaching

Coaching physicians and other healthcare professionals to achieve the best in life and medicine.

Our coaches have been teaching physicians and other clinicians how to maximize meaning and purpose in life and at work using minimal time, for more than a decade.
Our simple and unique method has improved the lives of countless physicians and other clients.
We know what works. 

Jeremiah Glass
Private Mortgage Banker
NMLS # 694807
BMO Financial Group
9335 E County Line Rd. Centennial, CO 80112
[email protected]
M (720) 837-0426
F (402) 445-6638

Home Warranty

Karen Hyman, Account Executive

Direct: (303) 229-9071
Enrollment: (800) 795-9595
Request Service: (800) 775-4736
Email: [email protected]

Popular FAQ's

Kelley Pasch, Regional Account Manager

Direct: (801) 549-8718
Email: [email protected]

Unexpected repair costs can devastate a new homeowner's budget. Purchase your Home Warranty before or after the sale!

Amanda Turk

Phone: (561) 701-2063

Our real estate coverage ( is the most comprehensive coverage at the best price that homeowners can’t get on their own direct-to-consumer (

To get this VIP coverage (, they need YOU!  This is a value that you can provide with your past, present and prospective clients! Oh, and don’t forget our enhanced coverage on your own home and investment properties!

We are designed to ease the burden of home repairs…a “budget protection program”.  We help with repair and replacement needed due to normal wear and tear on Plumbing, Electrical, Appliances, Cooling and Heating, Hot Water Heater, Garage Door and more!  Did you know that in any given year, there is a 68% chance that one or more of these items will break down?  Even after a clean inspection! I want to help give peace of mind to every homeowner out there!  Will you help me do that?

Moving Companies

Bailey's Moving and Storage is one of the rocky mountain region's best-known and valued moving company; we're not a move broker. We hope when you look for a mover, you'll choose Bailey's Moving & Storage. Since 1952, we've been providing moving services to families and businesses around the country. We provide each move with the highest level of care. We know that moving is more than just boxes, it's an emotional journey and so we're here to help you make your move a stress free experience. We are a proud member of the American Moving & Storage Association, or AMSA. We partner with them because we know that anybody with a truck can claim to be a mover. AMSA cautions consumers to only work with licensed, insured, and certified professionals. Bailey's Moving & Storage fulfills every one of those requirements.

Work With Steve

Steve is knowledgeable about all segments of the business, from the selling & buying processes, mortgage loan programs, investment properties, navigating the 1031 Exchange, resort properties, and second home opportunities.