Medical Mortgage Program


As a medical professional, your busy lifestyle doesn’t leave much room to worry about buying a house. Let the experts at Susquehanna Community Bank assist you in purchasing, refinancing, or building the home of your dreams! Our Medical Mortgage Program1 was customized to fit your unique financial situation and to help streamline the process.


You have dedicated your life and profession to helping those in our community. Now it’s our turn to help you! Let the experts at Susquehanna Community Bank help you purchase, refinance, or build your dream home.

  • 100% financing
  • NO down payment
  • NO Private Mortgage Insurance required
  • Credit score of 680 or better required
  • Must provide a signed acceptance letter or proof of employment with salary and start date
  • Closing allowed within 60 days prior to beginning your employment
  • Deferred student loans are not considered part of the current debt obligation

Who Is Eligible?

This program is available for Medical professionals including:

  • Medical Residents
  • Medical Fellows
  • Medical Doctors
  • Medical Researchers (with a doctorate degree)

1This program is available to medical professionals, including: Medical Residents, Medical Fellows, and Medical Doctors as well as Medical Researchers with a Doctorate degree. This program offer 100% maximum loan-to-value without PMI. Loan length up to 30 years. Must provide a signed acceptance letter or proof of employment with salary and start date to qualify. Closings can occur within 60 days prior to employment start date. Credit score of 680 or higher is required. Maximum total debt ratios of 43%. Single-family, owner-occupied properties only. Auto payment from an SCB account is required. Taxes and insurances are not escrowed. No HPML loans. US Citizens or permanent resident aliens only; no student or other temporary visas. Available for purchase, refinance, and construction mortgages. Maximum 4% seller concession towards closing costs. Title insurance required. Deferred student loans are not considered part of the current debt obligation. Subject to underwriting and tracking of closed loans for monitoring and reporting. Subject to credit approval. Additional fees may apply. Susquehanna Community Bank NMLS# 455754.


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Our Mortgage Expert Is Here to Help

Christopher D. Romig – NMLS ID# 783558
Vice President/Mortgage Originator
Call: 570-490-3704

Contact Me Today

Heidi J. Kline – NMLS ID# 478136
Vice President
Mortgage Manager & Originator
Call: 570-217-6218

Contact Me Today



Monday, January 1st, 2024- CLOSED, New Year’s Day
Monday, January 15th, 2024- CLOSED, Martin Luther King Jr Day
Monday, February 19th, 2024- CLOSED, President’s Day
Friday, March 29th, 2024- Closing at 1:00 p.m., Good Friday
Monday, May 27th, 2024- CLOSED, Memorial Day
Wednesday, June 19th, 2024- CLOSED, Juneteenth
Thursday, July 4th, 2024- CLOSED, Fourth of July
Monday, September 2nd, 2024- CLOSED, Labor Day
Monday, October 14th, 2024- CLOSED, Columbus Day
Monday, November 11th, 2024- CLOSED, Veterans Day
Thursday, November 28th, 2024- CLOSED, Thanksgiving Day
Tuesday, December 24th, 2024- Closing at 1:00 p.m., Christmas Eve
Wednesday, December 25th, 2024- CLOSED, Christmas Day
Tuesday, December 31st, 2024- Closing at 3:00 p.m., New Year’s Eve
Wednesday, January 1st, 2025- CLOSED, New Year’s Day

Please remember that on holidays and weekends, you can still access online banking, mobile banking and telephone banking (570-568-2265) services.

Thank you for banking with us!