Mike Fitzmeyer, Truist — Best Physician Mortgage
Dr. Home Finance
TLDR
Truist’s physician mortgage is designed for doctors in major career transitions, offering flexible underwriting that accounts for future income, student debt, and limited savings during training.
The program provides high loan-to-value options (including up to 100%), no PMI, flexible student loan treatment, and the ability to close before employment begins with a qualifying contract.
It supports a wide range of medical professionals—including residents, fellows, and attendings—and allows strategic decisions around liquidity, reserves, and debt-to-income ratios.
Mike Fitzmeyer’s experience and disciplined approach—focused on eliminating surprises, reviewing contracts early, and advising on financial strategy—helps physicians navigate complex lending scenarios with confidence.
Connect with a physician mortgage specialist at Truist Bank to get started
Mike Fitzmeyer (NMLS 93716) is a Mortgage Banker with Truist Financial Corporation and a consistent Top Producer, recognized with Platinum Excellence Awards since the award's inception in 2011. He leads a team originating residential mortgages and works with physicians through one of their biggest career transitions.
Who Mike Fitzmeyer works with
Mike Fitzmeyer serves physician borrowers in Georgia, Tennessee, and Texas — MDs, DOs, dentists (DDS/DMD), podiatrists (DPM), residents, fellows, interns with signed contracts, and newly practicing attendings.
The Truist physician program
The Truist physician mortgage is a portfolio loan designed for doctors' realities:
Up to 100% financing
No private mortgage insurance (PMI)
Structured for high student-loan balances and professional income growth
Future-dated employment contracts accepted
Built for the transition
New contract signed, residency wrapping up, a fellowship relocation or first attending role — timing and underwriting flexibility matter as much as affordability. Because these loans are typically held in Truist's portfolio, there's more flexibility than a secondary-market conventional loan allows.
Why work with a specialist
A physician mortgage specialist understands how to structure around student loans, future income, and compressed relocation timelines. For the fundamentals, see our guide to how physician mortgages work.
Get connected with Mike Fitzmeyer
Financing a home in Georgia, Tennessee, and Texas? Get matched and Dr. Home Finance will connect you.
Frequently Asked Questions
Which states does Mike Fitzmeyer serve?
Mike Fitzmeyer serves physician borrowers in Georgia, Tennessee, and Texas.
What does the Truist physician mortgage offer?
Truist's physician mortgage is a portfolio loan structured for doctors — accommodating high student-loan balances, future-dated employment contracts, and limited savings during training, with options such as 100% financing and no PMI. Specific terms vary by market and borrower.
Can interns or residents with a signed contract qualify?
Yes — the program is built for MDs, DOs, dentists, podiatrists, residents, fellows, interns with signed contracts, and newly practicing attendings.
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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