Brewed in Monmouth | Mortgage Built for Physicians with Neil Surgenor

This week on Brewed in Monmouth, Kate and Doreen sit down with Neil Surgenor, Mortgage Loan Officer with Truist, to unpack a lending program that most medical professionals — and even many real estate agents — don't know exists.Neil has built his practice around helping doctors, dentists, and other high-earning professionals navigate one of the most misunderstood corners of the mortgage market. In this episode, he breaks down exactly how the Physician Loan Program works, who qualifies, and why getting educated early in the process changes everything.In this episode, we cover:✔️ How Truist's Physician Loan Program works — 100% financing up to $1M, no mortgage insurance✔️ Why student loan debt doesn't disqualify medical professionals the way it does with conventional loans✔️ How residents and fellows can secure a home up to 90 days before their start date using only an offer letter✔️ How skipping the 20% down payment can actually strengthen your offer in a competitive market✔️ The Premier Program for attorneys and other professionals — 10% down with no mortgage insurance✔️ Why working with a knowledgeable lender early in the process is the move most buyers wish they'd made soonerWhether you're a physician just finishing residency, an attorney buying your first home, or a real estate professional looking to better serve your clients — this episode is essential listening.👉 Don't forget to like, comment, and subscribe for more local stories and real estate insights from Monmouth County!#BrewedInMonmouth #MonmouthCountyNJ #NeilSurgenor #TruistMortgage #PhysicianLoan #DoctorMortgage #NJPodcast #HomeLoansNJ #MonmouthCountyRealEstate #RealEstateNJ #FirstTimeHomeBuyer #MedicalProfessionals