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It's Here. A Loan That Lives Up To Your Profession | Opes Advisors

Low down payments for Doctors and Nurses!

For you doctors and nurse practitioners who are looking to buy a home with no or low down payment, I provide a unique Professional Loan with NO mortgage insurance.1,2 Unlike other lenders, I can also offer a complimentary analysis with proprietary technology to show their financial future when buying and selling real estate. Only Opes Advisors combines a powerful Professional Loan program with a Business Affinity relationship to help you attract, relocate and retain top medical professionals.

Our Professional Loan offers:

  • No mortgage insurance
  • No down payment on loans up to $850,000
  • Only 5% down up to $1M
  • Only 10% down up to $1.5M


Steve Papapietro

Branch Manager | Personal Mortgage Advisor | Mortgage Advisor


Palo Alto, CA

NMLS 633683


Cell: 650.823.6318

Contact me today to learn how our Professional Loan program can help your doctors and nurse practitioners into their new home!

*Your information will not be shared or sold to any third parties.

1. Borrower must open a checking or savings account with Flagstar to participate.
2. Eligible borrowers include: a Medical Resident (with educational license), Doctor of Medicine (MD), Doctor of Dental Surgery (DDS), Doctor of Dental Medicine or Surgeon (DMD), Doctor of Optometry (OD), Doctor of Ophthalmology (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), Nurse Anesthetist, Nurse Practitioner, Clinical Nurse Specialist, Attorney, Certified Public Accountant (CPA), Veterinarian, and ATP (Airline Transport Pilot).
3. With an adjustable-rate mortgage (ARM), your 5/1 loan will have an initial fixed-rate period of 60 months and your 7/1 loan will have an initial fixed-rate period of 84 months. After the fixed rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change once every year for the remaining life of the loan.
This is not a commitment to lend.  Programs available only to qualified borrowers.  Subject to credit approval, underwriting approval, and lender terms and conditions.  Programs subject to change without notice.  Primary residence only.  Restrictions may apply.