Nicholas Lay specializes in the mortgage needs for licensed medical physicians, residents, interns and fellows, which include MDs (Medical Doctors) and DOs (Doctors of Osteopathy) along with DMDs and DDS (including Dental Surgeons, Orthodontist and General Dentists). While Nicholas has experience in all loan products he focuses on doctors and their specific situations and understands the process and transition period doctors go through from medical school, to training, to attending positions.