Chris Urti, FNB — Best Physician Mortgage
Dr. Home Finance
TLDR
Pennsylvania’s diverse housing markets require adaptable mortgage strategies, making physician-specific financing essential for doctors navigating different price points, property types, and relocation scenarios.
First National Bank’s physician loan program offers up to 100% financing with no PMI, loan options up to $2M, and flexible structures that help physicians preserve liquidity and manage varying market conditions.
The program supports a wide range of medical professionals, including residents and fellows, and allows purchases, refinances, and multiple property types with the ability to close before employment begins.
Chris Urti’s proactive and disciplined approach—focusing on documentation, anticipating underwriting issues, and guiding buyers beyond qualification numbers—helps ensure smoother and more predictable transactions.
Connect with a physician mortgage specialist at FNB to get started
Chris Urti (NMLS 436445) is a Mortgage Banking Consultant with First National Bank, with 23+ years in mortgage lending and more than a decade in physician lending. His focus: keep the process practical and predictable for doctors at every career stage.
Who Chris Urti works with
Chris Urti serves physician borrowers in Washington, D.C., Florida, Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, and West Virginia — residents, fellows, and attendings across a range of designations (MD, DO, DDS, DMD, DPM, DVM, CRNA).
The First National Bank physician program
FNB's Solutions for Physicians mortgage was designed around the timing, income structure, and liquidity concerns doctors face:
Up to 100% financing
Up to $1,250,000 with 0% down payment
Up to $2,000,000 with low down payment options
No PMI
Fixed-rate and adjustable-rate options
Flexibility for a varied market
From Philadelphia rowhomes to the suburbs around King of Prussia to more affordable value in Pittsburgh and Erie, a physician's mortgage strategy needs to be adaptable, not templated. Removing PMI keeps a recurring cost out of the monthly payment, and low-down options keep cash liquid where property taxes and association fees add up.
Why work with a specialist
A physician mortgage specialist already knows how underwriting treats student loans, contract-based income, and relocation timing — which keeps the process predictable. For the fundamentals, see our guide to how physician mortgages work.
Get connected with Chris Urti
Financing a home in the states listed above? Get matched and Dr. Home Finance will connect you.
Frequently Asked Questions
Which states does Chris Urti serve?
Chris Urti serves physician borrowers in Washington, D.C., Florida, Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, and West Virginia.
What does FNB's Solutions for Physicians program offer?
Up to 100% financing, with up to $1,250,000 at 0% down and up to $2,000,000 with a low down payment, no PMI, and fixed- or adjustable-rate options.
Who qualifies with Chris Urti?
Physicians (MD, DO, DPM), including residents and fellows, dentists (DDS, DMD), veterinarians (DVM), and certified registered nurse anesthetists (CRNA), depending on the program and borrower profile.
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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