Laura Rench
AVP, Mortgage Loan Officer/Physician Loan Specialist
NMLS #518855
Key Bank Home Loans
Mobile: 206.880.8332
Email: [email protected]
Available States: Arizona, California, Colorado, Idaho, Michigan, New York, Ohio, Oregon, Utah, and Washington
A little about Laura:
For more than 37 years, Laura has been a highly trusted mortgage loan professional dedicated to helping people achieve one of life’s biggest milestones: homeownership. She has helped thousands of clients through the mortgage process, always with a focus on clarity, confidence and long-term financial well-being.
Laura has specialized in the Physician Loan since its inception with a commitment to providing world class service to her clients during their home-buying experience and beyond.
LOAN PROGRAM HIGHLIGHTS:
- 0-10.01% down up to $1,500,000
- 15% down up to $2,000,000
- No Private Mortgage Insurance (PMI)
- Family gift funds allowed for down payment and reserves
We allow you to use income from your new employment to qualify for your new home loan and you can close up to 90 days prior to the start date of your new position.
ADDITIONAL DETAILS:
- Minimum credit score: 700 up to loan amount of $1,500,000 (720 if above $1,500,001).
- Loan options include 30, 25, 20, 15 and 10-year fixed loans, and 5, 7 and 10-year ARM options.
- Six months’ reserves required, which may be held in investments or retirement accounts with no liquidation needed.
- Rate/term and cash-out refinances available.
- Property types available: Single Family, Townhome, Condo and PUD.
DISCLAIMER: The mortgage lender referred through Curbside Real Estate is part of our Enhanced Lender Program and has been thoroughly vetted by our staff and clients for delivering excellent service. We are confident they will provide you with a positive and professional experience. However, if your experience is anything less than excellent, please let us know immediately so we can address the matter. This referral is provided as a convenience, and you are under no obligation to use this lender. We encourage you to explore all available options to find the best fit for your needs.