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D Magazine Award for First United Bank
Your Loan Officer

Scott Wells NMLS ID: 0000595286

Scott Wells has worked in the mortgage industry since 2001 and has experience with all loan types. He has been specializing in physician lending since 2010.

Scott and his team are committed to providing professional, first-class service to his customers. From application to closing, he is available to answer any questions you have. Thank you for choosing Scott Wells to assist you with your mortgage lending needs.

Our Company

First United

First United Bank is dedicated to building a culture of care in the communities we serve and helping others find their path to success. We build lifelong, multigenerational relationships and use our collective talents to make our community a better, stronger, more stable place, one customer, one family, one company at a time.

Physician Mortgage Program

  • 100% financing up to $1,000,000
  • 95% financing up to $1,500,000
  • Competitive pricing with no mortgage
    insurance (PMI) required
  • 15/1 Adjustable Rate Mortgage (ARM) allowed
    on both jumbo and conforming loan amounts,
    payment/rate may increase after initial 15-year
    fixed period
  • 30 Year Fixed Rate option allowed on both jumbo
    and conforming loan amounts
  • Medical Professionals with the following
    designations are eligible: MD, DO, DDS, DMD*
  • Student loans deferred for a minimum of
    12 months not included to qualify
  • FICO scores down to 700 allowed depending
    on LTV and loan amount

*At least one borrower must be a resident, fellow, practicing physician or a dentist. Proof of a medical license is required. Eligible doctors are those that have had their medical license for 10 years or less. 

Getting into your new home is just a click away

From the time you apply for your physician home mortgage loan, until the day you close and get the keys to your new home, our specially trained and experienced staff manages and oversees the entire loan process, schedule a free consultation today to get started.