Physician & Medical Professional Mortgages in the Triangle: Durham, Chapel Hill and Raleigh
Residents, fellows, physicians and other eligible medical professionals buying in Durham, Chapel Hill or Raleigh can use the Ameris Bank Medical Professional Loan with Jill Burgess (NMLS #100425). Jill takes medical professional loan files for homes across North Carolina from her Winston-Salem office and works with Triangle buyers by phone and email. Call (336) 740-9068.
Jill Burgess, NMLS #100425 · Mortgages By Jill | Ameris Bank, company NMLS #408099. Office: 3500 Vest Mill Road, Suite 1, Winston-Salem, NC 27103 · (336) 740-9068 · jill.burgess@amerisbank.com · Hours: Monday–Saturday 9:00 AM–7:00 PM · Sunday Closed · By appointment only. Equal Housing Lender. Not a commitment to lend; all loans subject to credit approval.
The Triangle's training programs at a glance
Three ACGME sponsoring institutions anchor graduate medical education in the Triangle. Duke and UNC train most of the region's residents and fellows. Raleigh's footprint is small, so Raleigh buyers are more often attendings, physician assistants, pharmacists and dentists joining a hospital or practice.
| City | Sponsoring institution (ACGME name) | Health system | ACGME programs | Residents + fellows |
|---|---|---|---|---|
| Durham | Duke University Hospital | Duke Health | 105 | 1,081 |
| Chapel Hill | University of North Carolina Hospitals | UNC Health | 90 | 970 |
| Raleigh | WakeMed Health and Hospitals | WakeMed | 2 | 16 |
| Total | 197 | 2,067 |
Source: ACGME, List of Sponsoring Institutions by Resident/Fellow Count, academic year 2024–2025. Counts are by sponsoring institution and may include training at other sites.
Hospital names are for location reference only. Mortgages By Jill and Ameris Bank are not affiliated with or endorsed by these health systems.
Duke Health vs UNC Health: two systems, two cities
The loan rules are the same at every Triangle hospital. What changes is your contract, your start date and where you want to live.
Starting at Duke Health (Durham)
Duke University Hospital sponsors 105 ACGME programs with 1,081 residents and fellows. If you've matched in Durham, the Ameris timing rule works like this: with a signed employment contract and a start date within 60 days of closing, you may close before you start. Your contract's start date drives the 60-day window, so send it to Jill as soon as it's signed.
Starting at UNC Health (Chapel Hill)
University of North Carolina Hospitals sponsors 90 programs with 970 residents and fellows. Chapel Hill and Durham sit close together, and many trainees weigh living near one campus against the other. The loan steps don't change with the address: contract, preapproval, shop, close. Ask Jill about neighborhoods near your hospital.
Joining a practice or WakeMed in Raleigh
WakeMed's ACGME footprint is 2 programs and 16 trainees, so most Raleigh medical buyers are attendings, PAs, pharmacists, dentists and optometrists who have finished training. Ameris lists eligibility within 10 years of fellowship or residency, and loan amounts up to $1,500,000. Above that amount, see jumbo loan options in North Carolina.
Hospital names are for location reference only. Mortgages By Jill and Ameris Bank are not affiliated with or endorsed by these health systems.
The Ameris Medical Professional Loan in brief
Per Ameris Bank: up to 100% financing, no private mortgage insurance required, loan amounts up to $1,500,000, and the ability to close before your employment start date (with an employment contract and a start date within 60 days of closing). Eligible roles and the 10-year timing note are on our medical professional mortgages page. All loans subject to credit approval; terms can change.
Nurse practitioners and other roles: ask Jill about other loan options.
Program summary per Ameris Bank Specialized Loans.
Student loans and the rest of your file
Student-loan treatment is file-specific. Bring your servicer details to the first call, and Jill will review them with the rest of your file at preapproval. No outcome is promised before underwriting reviews the file.
First-time buyer or resident? NC down payment help
If this is your first home and your household income fits program limits, a North Carolina Housing Finance Agency path such as NC Home Advantage may be worth comparing. NCHFA programs are statewide, so they apply in Durham, Chapel Hill and Raleigh. Assistance usually comes with the program's own first mortgage, so it's an alternative to the Medical Professional Loan rather than an add-on. Income limits apply; ask Jill which path fits your file. New to buying? Start with our first-time home buyer guide.
How it works with Jill from Winston-Salem
Jill's office is in Winston-Salem. Triangle buyers work with her by phone and email; closing logistics depend on your file.
- Call or email. (336) 740-9068 or jill.burgess@amerisbank.com.
- Send your contract. As soon as your employment or residency contract is signed.
- Preapproval review. Your contract, assets, credit and the rest of your file.
- Shop. Tour homes with your real estate agent, preapproval in hand.
- Close. Per Ameris, you may close before your start date when it falls within 60 days of closing.
Read what past clients say on our testimonials page, or contact Jill.
Durham, Chapel Hill and Raleigh
Triangle physician loan FAQ
Guidelines and program features can change. Confirm current terms with Jill before relying on any figure.
Yes. Jill Burgess takes Ameris Medical Professional Loan files for homes across North Carolina, including Durham, Chapel Hill and Raleigh. She works from her Winston-Salem office with Triangle buyers by phone and email. All loans subject to credit approval.
Per Ameris Bank, you may close before your employment start date when you have an employment contract and your start date is within 60 days of closing. Send Jill your contract as soon as it's signed. Hospital names are for location reference only; Mortgages By Jill and Ameris Bank are not affiliated with or endorsed by these health systems.
ACGME counts for academic year 2024-2025, by sponsoring institution: Duke University Hospital 1,081 residents and fellows in 105 programs, University of North Carolina Hospitals 970 in 90 programs, and WakeMed 16 in 2 programs, for 2,067 in total.
Physician assistants, pharmacists and dentists are all on Ameris Bank's list for the Medical Professional Loan, within 10 years of fellowship or residency. Your file still has to meet Ameris guidelines, and all loans are subject to credit approval.
Ameris lists Medical Professional Loan amounts up to $1,500,000. If you need more, Jill can walk you through jumbo loan options in North Carolina.
It's file-specific. Bring your servicer details, and Jill will review them at preapproval. No outcome is promised before underwriting.
Possibly, if your household income and the program rules fit. North Carolina Housing Finance Agency assistance usually comes with its own first mortgage, so it's a separate path rather than an add-on to the Medical Professional Loan. Ask Jill which path fits your file.
Nurse practitioners aren't on Ameris Bank's published list for the Medical Professional Loan. Ask Jill about other loan options.
Call (336) 740-9068 or email jill.burgess@amerisbank.com.
Talk with Jill about a Triangle physician loan
Jill Burgess, NMLS #100425 · Mortgages By Jill · Ameris Bank, NMLS #408099. Equal Housing Lender. Spanish: Katherine Collins, katherine.collins@amerisbank.com. Not a commitment to lend; all loans subject to credit approval.