Medical Professional Loans FIRST UNITED’S UNIQUE PORTFOLIO
MORTGAGE LOANS FOR MEDICAL PROFESSIONALS
First United offers Medical Professional* loans for primary residences with a fixed and ARM rate program.
• Faster loan approval. Since our loans are all approved at the local level, we’re able to provide quick, efficient service so you won’t have to wait.
• 95% LTV up to 500,000 • 90% LTV up to 650,000 • 80% LTV up to 1 million • No mortgage insurance
• Student loans deferred for at least 12 months are not included in debt to income ratios for qualifying
Mike Schaefer
Mortgage Loan Consultant NMLS# 867072
*At least one of the borrower(s) must be a physician (a new resident or attending) or a dentist. Proof of a medical license is required. See your Mortgage Loan Consultants about the types of medical professional eligible and terms for this loan.
843-364-6168
mschaefer@firstunitedbank.com mschaefer.fubmortgage.com
972-569-2351 |
fubmortgage.com
the workgroup had help from health plan representatives with experience drafting electronic versions in other states to create fields that Texas prac- tices could easily populate with an EMR system in the future. Once national, HIPPA-compliant
electronic standards for prior authori- zation are adopted, the laws give TDI and health plans two years to make available and accept electronic ver- sions of the state’s standardized forms. TMA officials note that some
health plans already offer an electron- ic option, and nothing in SB 1216 or SB 644 prohibits plans or practices from going that route. Practices also may continue using insurers’ existing pre- authorization forms if they are more familiar. However, if practices prefer the new standardized forms, the laws require health plans to accept them. n
Amy Lynn Sorrel is associate editor of Texas Medi- cine. You can reach her by phone at (800) 880- 1300, ext. 1392, or (512) 370-1392; by fax at (512) 370-1629; or by email at
amy.sorrel@
texmed.org.
recommendation: CDC
Test everyone born from 1945-1965 for Hepatitis C
People born from 1945-1965 account for 3 out of every 4 people with Hepatitis C, and more are unaware of their infection.
l Testing only patients with elevated ALT’s may miss 50% of infection
l Hepatitis C is a leading cause of liver cancer and liver transplants
l Care and treatment can help prevent Hepatitis C-related disease and deaths
hep c ads final 7.5 X
4.75.indd 3 34 TEXAS MEDICINE March 2015
12/17/14 6:18 PM
Banking • Mortgage • Insurance • Wealth Management
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