Chip Beveridge, Atlantic Union — Best Physician Mortgage
Dr. Home Finance
TLDR
Buying in Washington, DC requires preparation, not just speed—especially for physicians balancing relocation, contracts, and financial transitions.
Physician mortgage loans offer flexible structures like zero down, no PMI, contract-based qualification, and student loan considerations tailored to medical professionals.
A fully underwritten pre-approval—completed months in advance—ensures your income, assets, and documentation are verified before you enter a competitive market.
Working with specialized physician mortgage lenders helps prevent costly delays by addressing contract details, student loans, and underwriting requirements early.
Connect with a physician mortgage specialist at Atlantic Union Bank to get started
Chip Beveridge (NMLS 485058) is an Area Sales Manager with Atlantic Union Bank Home Loans, with more than 30 years of mortgage lending experience across the Mid-Atlantic. He takes a highly personalized approach with physician borrowers — because, as he puts it, specialization isn't branding, it's prevention.
Who Chip Beveridge works with
Chip Beveridge serves physician borrowers in Washington, D.C., Delaware, Georgia, Indiana, Maryland, North Carolina, Pennsylvania, South Carolina, Tennessee, and Virginia — residents, fellows, and attendings across a broad range of designations (MD, DO, DDS, DMD, DPM, DVM, PharmD, CRNA, NP, PA).
The Atlantic Union Bank physician program
The Atlantic Union Bank physician home loan is built for doctors' timelines:
Low-to-no down payment options
No private mortgage insurance (PMI)
Flexible treatment of student loans and future/contract income
Certified Buyer Pre-Approval — fully underwritten before you shop
Preparation months before you move
Chip's process starts months in advance, not when you find a house. Through Atlantic Union Bank's Certified Buyer Pre-Approval Program, physicians are fully underwritten — income verified, assets reviewed, documentation cleared, debt-to-income properly calculated — before making an offer. In fast markets, that clarity creates confidence.
Why work with a specialist
Physician borrowers aren't typical borrowers — employment contracts have contingencies, income structures vary, and deferred student loans must be handled precisely. A specialist prevents those issues before they delay a closing. For the fundamentals, see our guide to how physician mortgages work.
Get connected with Chip Beveridge
Financing a home in the states listed above? Get matched and Dr. Home Finance will connect you.
Frequently Asked Questions
Which states does Chip Beveridge serve?
Chip Beveridge serves physician borrowers in Washington, D.C., Delaware, Georgia, Indiana, Maryland, North Carolina, Pennsylvania, South Carolina, Tennessee, and Virginia.
What is Atlantic Union Bank's Certified Buyer Pre-Approval?
It lets physicians be fully underwritten — income verified, assets reviewed, documentation cleared — before they shop, so an offer rests on a completed review rather than a soft pre-qualification letter.
Does Chip Beveridge work with residents relocating?
Yes. Chip starts months before the move, reviewing the employment contract, student loans, and documentation so the financing lines up with a physician's relocation timeline.
Dr. Home Finance is an educational and lender-matching resource and is not a mortgage lender. Loan programs, rates, and terms vary by borrower, bank, and state and are subject to change. Nothing here is an offer to lend.
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