Jerry Farina, TD Bank — Best Physician Mortgage
Dr. Home Finance
TLDR
Delaware’s smaller size doesn’t simplify physician homebuying, making it essential for doctors to focus on budget, liquidity, and contract timing rather than relying on assumptions.
TD Bank provides a strong regional presence, offering physicians a lender with established support across Delaware and the broader East Coast.
Successful physician mortgages in Delaware depend on early attention to credit, realistic budgeting, and clear documentation to ensure a smooth approval process.
Jerry Farina’s practical, education-first approach—centered on early financial review and expectation-setting—helps physicians navigate homebuying with less stress and better structure.
Connect with a physician mortgage specialist at TD Bank to get started.
Jerry Farina (NMLS 372992) brings 25 years of experience to TD Bank's Medical Professional Program, which has helped many doctors achieve homeownership. His style is practical, not salesy — get clear on the important things early instead of waiting for problems to appear after you go under contract.
Who Jerry Farina works with
Jerry Farina serves physician borrowers in Connecticut, Washington, D.C., Delaware, Florida, Massachusetts, Maryland, Maine, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, and Vermont — residents, fellows, and attendings across designations including MD, DO, DDS, DMD, and DPM.
The TD Bank physician program
TD Bank's Medical Professional mortgage is built around the realities of a medical career:
Low-to-no down payment options
No private mortgage insurance (PMI)
Physician-aware treatment of student loans and future/contract income
Guidance tailored to a physician's relocation and start-date timeline
Practical, organized, early
Jerry keeps the conversation grounded: stay on top of credit, keep debt low, know where your score needs to be, and review income, assets, and credit right away. Doctors don't need more mortgage jargon — they need a lender who makes the process feel organized from the beginning.
Why work with a specialist
A physician mortgage specialist anticipates the contract, student-loan, and timing questions that can otherwise surface late in a transaction. For the fundamentals, see our guide to how physician mortgages work.
Get connected with Jerry Farina
Financing a home in the states listed above? Get matched and Dr. Home Finance will connect you.
Frequently Asked Questions
Which states does Jerry Farina serve?
Jerry Farina serves physician borrowers across 16 states and D.C. in the Northeast and Mid-Atlantic, including New York, New Jersey, Pennsylvania, Massachusetts, Connecticut, Maryland, Virginia, Florida, and more.
What is TD Bank's Medical Professional program?
TD Bank's Medical Professional mortgage is built for doctors, with physician-aware underwriting for employment contracts, student loans, and the timing of a career move. Specific terms vary by borrower and are confirmed with the lender.
When should I contact Jerry Farina?
Early. Jerry's advice is to stay on top of credit, keep debt low, and review income, assets, and credit right away — getting clear on budget before you shop, rather than waiting for problems after you're under contract.
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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