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It's Here. A Loan That Lives Up To Your Profession | Opes Advisors

Contact me today to learn how our Professional Loan program can help you get into the home you want!

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Low down payments for Doctors, Dentists, Accountants, Attorneys, Architects, and Veterinarians!

If you’re looking for a low down payment and competitive rate on a mortgage, we have you covered.1 Opes Advisors offers a uniquely flexible loan program for conventional and Jumbo buyers in certain occupations.2

Our Professional Loan program offers:


  • No mortgage insurance
  • No down payment on loans up to $850,000
  • Low down payment on loans up to $1.5M
  • Deferred medical student debt may not affect your qualifying loan amount3
  • Purchase and rate/term refinance for primary residence
  • 5/1 and 7/1 Adjustable Rate Mortgages (ARMs)4


Nikki James

Personal Finance Advisor | Mortgage Advisor | Palo Alto, California

License/Certifications: NMLS 293138


Cell: 650.322.0303

1. Borrower must open a checking or savings account with Flagstar to participate.
2. Eligible borrowers include: a Medical Resident (with educational license), Doctor of Medicine (MD), Doctor of Dental Surgery (DDS), Doctor of Dental Medicine or Surgeon (DMD), Doctor of Optometry (OD), Doctor of Ophthalmology (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), accountants, attorneys, architects and veterinarians.
3. Only the medically licensed borrower is eligible for exclusion of student loan debt payment from the debt-to-income ratios. Payments must be deferred for 12 months beyond closing date.
4. With an adjustable-rate mortgage (ARM), your 5/1 loan will have an initial fixed-rate period of 60 months and your 7/1 loan will have an initial fixed-rate period of 84 months. After the fixed rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change once every year for the remaining life of the loan.


This is not a commitment to lend.  Programs available only to qualified borrowers.  Subject to credit approval, underwriting approval, and lender terms and conditions.  Programs subject to change without notice.  Primary residence only.  Restrictions may apply.