Announcing a Fantastic Physician/Doctor Loan Program!

I’m excited to announce my partnership with Corbin Buttleman, Senior Mortgage Consultant at Genisys Credit Union, a trusted lending specialist, to offer an exceptional homebuying and lending experience tailored for medical professionals.
Together, we combine expert real estate guidance with specialized financing solutions to make homeownership more accessible and seamless. If you’re a medical professional looking for the best mortgage options and a smooth buying process, we’re here to help every step of the way!

Who Can Qualify:

  • Medical Doctor (MD)
  • Nurse Anesthetist (CRNA)
  • Chiropractor
  • Doctor of Podiatric Medicine (DPM)
  • Dentist (DDS)
  • Doctor of Osteopathy (DO)
  • Veterinarian
  • Resident Physician
  • Fellowship

Details:

Loan-To-Value (LTV) Options:

  • 100%     LTV up to $1,250,000.00
  • 95%        LTV up to $1,500,000.00
  • Additional Loan Amounts available!


Transaction Types:

  • Purchase, or Refinance, or Construction
    (Additional LTV and state limitations may apply)

 

Program Specifics:

  • No Mortgage Insurance:  Regardless of LTV, no mortgage insurance is required.
  • No Pre-Payment Penalty:  Pay off your loan early without penalty.
  • Student Loan Flexibility:  Student Loans are not counted when calculating debt- to- income ratios if deferred for greater than 12 months. IBR payment amount is allowed.


Geographic Availability:

  • Available in AL, AR, CA, CO, CT, DE, FL, GA, IL, IN, IA, KY, MD, MI, MN, MS, MT, NE, NJ, NM, NC, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, WA, Washington DC, WV, WI and WY
Michael-Cummiskey-1.jpg

Michael Cummiskey

Real Estate Professional
Coldwell Banker Realty
C - 859-835-2533
E - michael.cummiskey@cbrealty.com
KY - 270311
OH - 2022006290
Corbin-Buttleman.png

Corbin Buttleman

Senior Mortgage Consultant
Genisys Credit Union
O - 248-322-9800 Ext. 1681
C - 231-463-6700
NMLS - 220543

Michael Cummiskey is a one of a kind realtor. His professionalism, authenticity, advocacy, efficiency, and knowledge of the greater Cincinnati and Kentucky area are some of the many qualities that makes him the realtor of choice. I had moved to Cincinnati a year ago and could not decided what I wanted for real estate. Whether it was an investment property or a permanent residence, Michael was able to find me a list of properties that checked my boxes. He eventually helped us find our dream home with the physician's mortgage loan. The whole proccess from purchasing to closing was also extremely smooth as Michael is there to answer any questions, guide, and advocate for you throughout it all. He is a realtor you can trust to find exactly what you want.

Jimmy Loi

Michael Cummiskey is a homebuyer’s dream real estate agent! He was incredibly timely, extremely professional, diligently detail-oriented, and amazingly knowledgeable. He was attentive to both our preferences and budget, in addition to helping us navigate the home buying process with a physician’s loan. His enthusiasm for real estate and his passion for helping his clients made our home buying journey a smoother, stress-free, and delightful experience. Michael was very transparent and responsive in helping us with every step of the way. He was always available to thoroughly answer our questions. In fact, he was able to help us avert potential difficulties that we would not have noticed on our own, as well as aid us in navigating any unexpected issues that arose. He is a true advocate for his clients and will always go above and beyond. I would 100% recommend Michael in a heartbeat to anyone looking for a realtor!

Cate Vavrinak

Mr. Cummiskey was the first to visit us and we knew immediately he was our broker. He was knowledgeable, attentive, honest, and considerate of our needs. Michael is the best there is. He's professional, courteous, and accommodating. There have been very few people I have met in my 57 years of life that have impressed me as much as Mr. Cummiskey has. I felt as if I were his only client. If I purchase or sell any property in the future, it will be without a doubt through Michael Cummiskey. Thank you, Michael. I am once again in your debt!

Stephanie Perry

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