What we do
As a community hero, you have worked for years to join the ranks of an elite few, and your hard work should be rewarded, not only professionally, but personally.
Our program includes:
- Real Estate Services
- Physician Loans / Dentist Loans
- First Class Closings
- Moving Services
- National Relocation Services
- Financial Services
Serving your community for years has earned you the right to have some special treatment. Why not take advantage of that for the most important financial decision of your life?
Practicing Physicians
Physicians, now is the time that you have worked for through medical school and training. Your increased income now affords you many opportunities such as buying a home. Not only will you work with a trusted real estate agent that understands the needs and time constraints of your profession, but you will also be able to take advantage of a specialized loan program with a low downpayment and competitive rates. Higher qualifying ratios will allow you to afford the home you have been searching for while paying off medical student loans. Student loan financing options may be available to qualified applicants.
Nurse Practitioners & Physicians Assistants
Sellers
Pulse Concierge Services for Providers eases the home selling process for physician assistants by pairing them with trained real estate professionals with knowledge of the local residential real estate market to more effectively sell their home.
Seller’s Agents Provide the Following Services to Physician Assistants, and Much More:
- Determine the fair market value of your home though a complete market analysis;
- Provide the seller with a net sheet of selling expenses and profit;
- Assist with staging the home and recommending necessary home repairs to maximize return on investment;
- Effectively market the home to ensure maximum exposure to attract qualified buyers;
- Negotiate offers, including price, terms and consideration;
- Monitor the closing process; and
- Offer assistance in cancelling current utilities and moving to your new home.
Buyers
Pulse Concierge Services for Providers assists prospective homeowners in the purchase of their new home.
Buyer’s Agents Provide the Following Services to Physician Assistants, and Much More:
- Guide the search for properties that fit the buyers’ needs and price range;
- Facilitate specialized financing for physician assistants;
- Negotiate fair market value with any offers;
- Assist in any and all customary inspections related to the new home;
- Provide pertinent information regarding the community (i.e. schools); and
- Monitor the closing process.
Dentists
Sellers
Pulse Concierge Services for Providers facilitates the home selling process for dentists by aligning them with trained real estate professionals with knowledge of the local residential real estate market to quickly sell their home.
Seller’s Agents Provide the Following Services to Dentists, and Much More:
- Determine the fair market value of your home though a complete market analysis;
- Provide the seller with a net sheet of selling expenses and profit;
- Assist with staging the home and recommending necessary home repairs to maximize return on investment;
- Effectively market the home to ensure maximum exposure to attract qualified buyers;
- Negotiate offers, including price, terms and consideration;
- Monitor the closing process; and
- Offer assistance in cancelling current utilities and moving to your new home.
Buyers
Pulse Concierge Services for Providers assists prospective homeowners in the purchase of their new home.
Buyer’s Agents Provide the Following Services to Dentists, and Much More:
- Guide the search for properties that fit the buyers’ needs and price range;
- Facilitate specialized financing for dentists;
- Negotiate fair market value with any offers;
- Assist in any and all customary inspections related to the new home;
- Provide pertinent information regarding the community (i.e. schools); and
- Monitor the closing process.
Residents & Fellows
As a physician, you have worked for years to join the ranks of an elite few, and your hard work should be rewarded not only professionally, but also personally. Graduating from medical school has earned you the right to have some special treatment. Why not take advantage of that for the most important financial decision of your life?
Pulse Concierge Services for Providers includes:
- Industry professionals who will assist in the search, negotiation, of your new home purchase
- Complimentary referral service should you need to sell your existing home or purchase anywhere in the country
- Provide support after the sale to make sure your move is seamless
- Specialized financing with 5% down payment up to $1,000,000 (3.5% options may be available) for qualified borrowers and 10% down payment up to $2.5 million
- Private Mortgage Insurance is not required— save thousands over the life of the loan
- Student loans that are deferred for 12 months are not counted in qualifying ratios. Refinancing opportunities may be available.
Veterans
Veterans Purchase
- Maximum subsides: $7,500
- Borrower Minimum contribution: $0
- Eligible Use of Funds: Down payment, closing costs, and principle reduction for the purchase or purchase/rehabilitation of an existing unit
- Eligible Properties: Owner occupied 1-4 family properties , including manufactured housing
Returning Veterans Purchase
- Maximum subsides: $10,000
- Borrower Minimum contribution: $0
- Eligible Use of Funds: Down payment, closing costs, and principle reduction for the purchase or purchase/rehabilitation of an existing unit
- Eligible Properties: Owner occupied 1-4 family properties , including manufactured housing
Lending Servies – ENB Mortgage
Unique lending services through ENB Mortgage for Community professionals, teachers, and heroes. ENB Mortgage will have you worrying less and smiling more!
Community Professional
Your profession brings unique skills and talents to the community and we want to reward you for your efforts. ENB has unique products to help Medical, Legal and Scientific professional buy the home of your dreams.
Benefits Include:
- Up to 100% financing to the conforming loan limits/ up to 90% financing to $1,000,000 loan amount
- A minimum credit score of 700
- Student Loans deferred for 12 months or longer may be excluded from Deb to Income calculation
- Flexibility on the source of funds for downpayment and closing costs
- Available on a variety of fixed and adjustable-rate mortgage programs
Community Heroes
The community relies on Fire Fighters, EMTs, and Police to keep us safe. Let us help you buy the home of your dreams!
Benefits include:
- A minimum credit score of 740
- Loan to Value up to 99%
- 1% down payment, gift, and grants allowed
- Purchase of Primary Residence only
- Available on a variety of fixed and adjustable-rate mortgage programs
- Standard purchase price restricts
- Max debt income is 41%
- Plush Much More!
Community Teachers
The community depends on teachers. You can depend on ENB to help you buy the home of your dreams!
Benefits Include:
- Must have an occupation as a Teacher
- A minimum credit score of 740
- Loan to Value up to 99%
- 1% down payment, gifts, and grants allowed
- Purchase of Primary Resident only
- Available on a variety of fixed and adjustable-rate mortgage programs
- Standard purchase price restrictions
- Max Debt to Income is 41%
Contact us for more details on what loans you may qualify for.
