Call me to learn more.

The Bank of America

®

Doctor Loan could help you buy a home

The Doctor Loan is designed to meet the unique needs of medical residents or licensed, practicing doctors, dentists or other eligible medical professionals.

1

Kevin Budde Sr. Lending Officer, AVP NMLS ID: 325450 949.330.5933 Office 949.422.2075 Cell kevin.budde@bankofamerica.com mortgage.bankofamerica.com/kevin-budde

• As little as 5% down on mortgages up to $1 million and 10% down on mortgages up to $1.5 million.

2

• Start your new position up to 60 days after closing.

3

• Student loan debt may be excluded from the total debt calculation.

4

1 An applicantmust have,oropen prior to closing,achecking or savings accountwith Bank of America. Applicants with an existing accountwith Merrill Edge ® , Merrill Lynch ® or U.S. Trust prior to application also satisfy this requirement. Medical professional(MD,DDS, DMD,OD, DPM, DO,residents,and students whose employmentbegins within 60 days of closing) must be actively practicing in their field of expertise.Those employed in research or as professors arenot eligible. Forqualified borrowers with excellentcredit. PITIA (Principal,Interest, Taxes, Insurance, Assessments) reservesof4-6 months arerequired,depending on loan amount. Other restrictions apply. 2 Minimum down paymentrequirements vary by property type and location; ask fordetails.

3 If applicant’s employmentdoes not commence until afterclosing,sufficientreservestohandle all debt obligations between closingand employmentstartdate +30days must be verified. 4 Additional documentation is required.

Credit and collateralare subjecttoapproval. Termsand conditions apply. This is notacommitmenttolend.Programs,rates, termsand conditions aresubjectto change withoutnotice. Bank of America, N.A., Member FDIC. Equal Housing Lender.©2017 Bank of America Corporation. ARWQWBD3 HL-112-AD 04-2017