Tony Lupescu: Physician Mortgages with Fifth Third Bank
Jessica Hegge
TLDR
Tony Lupescu (NMLS 224410) is a physician mortgage specialist with Fifth Third Bank, with 20+ years in lending and a CPA background.
Fifth Third can close up to 150 days before your employment start date and works with 1099 and less-than-2-year self-employed income.
Tony serves physicians across 15 states.
Tony Lupescu (NMLS 224410) is a physician mortgage specialist with Fifth Third Bank. "I've been a loan officer for over 20 years, and I specialize in helping physicians navigate home financing," he says. With a prior CPA background, Tony is especially comfortable with self-employed buyers and complex income.
Who Tony works with
Tony serves physicians across 15 states — Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee, Texas and West Virginia — and works with residents, fellows, and attendings across MD, DO, DDS, DMD, DPM, and DVM designations.
The Fifth Third physician program
The Fifth Third Bank program is built for doctors' timelines:
Close up to 150 days before your employment start date
1099 income, or less than two years of self-employed / new-contract income, considered with proof of minimum guaranteed hours
Physician-focused underwriting for student loans and future income
Why work with a specialist
Complex income is exactly where a specialist earns their keep. Tony's CPA background and two decades of lending mean fewer surprises in underwriting. For the basics first, see our guide to how physician mortgages work.
Get connected with Tony Lupescu
Financing a home in one of Tony's 15 states? Get matched and Dr. Home Finance will connect you with Tony at Fifth Third.
Frequently Asked Questions
Which states does Tony Lupescu serve?
Tony Lupescu serves physician borrowers across 15 states, including Arizona, California, Florida, Georgia, Illinois, Indiana, Michigan, North Carolina, Ohio, Tennessee, and Texas.
What makes the Fifth Third physician program stand out?
Fifth Third can close up to 150 days before your employment start date and can work with 1099 income or less than two years of self-employed/new-contract income with proof of guaranteed hours.
Why does Tony's CPA background matter?
Tony's CPA background helps him structure files for self-employed and complex-income borrowers, which is common among established physicians and practice owners.
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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