Todd Phillpotts: Physician Mortgages with Genisys Credit Union in Kentucky & Michigan
Jessica Hegge
TLDR
Todd Phillpotts (NMLS 709730) is a physician mortgage specialist with Genisys Credit Union serving Kentucky and Michigan.
Genisys offers 0% down up to $1.5M (tiers to $4M+), physician construction loans on the same terms as purchase, and bridge financing.
Todd and his partner Catherine close most loans in under 30 days.
Todd Phillpotts (NMLS 709730) is a physician mortgage specialist with Genisys Credit Union. "Catherine and I have worked together as a team for 20 years," Todd says. "We specialize in doctor loans and construction loans, and together we close most loans in under 30 days."
Who Todd works with
Todd serves Kentucky and Michigan and works with residents, fellows, and attendings across MD, DO, DDS, DMD, DPM, DVM, PharmD, CRNA, NP, and PA designations.
The Genisys physician loan
The Genisys Credit Union program is built for doctors:
0% down up to $1,500,000; 10% down up to $2,000,000; 15% down up to $2,500,000; 20% down to $4,000,000+
No adjustments for condominiums or new-construction loans
Physician construction loans under the same terms as a purchase
Bridge financing for buyers selling a current home, and a common-sense underwriting approach
Why work with a specialist
A physician mortgage specialist already knows how underwriting handles student loans, future income, and construction timelines — which is why files move faster. For the fundamentals, see our guide to how physician mortgages work.
Get connected with Todd Phillpotts
Buying or building in Kentucky and Michigan? Get matched and Dr. Home Finance will connect you with Todd and Catherine.
Frequently Asked Questions
Which states does Todd Phillpotts serve?
Todd Phillpotts serves physician borrowers in Kentucky and Michigan.
What does the Genisys Credit Union physician loan offer?
Genisys offers 0% down up to $1,500,000 with higher tiers up to $4,000,000+, physician construction loans under the same terms as a purchase, bridge financing, and a common-sense underwriting approach.
How fast can Todd close?
Todd and his partner Catherine close most loans in under 30 days, depending on the file.
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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