Up to 100% Financing.
No PMI. Built for Doctors.
Texas doctors deserve better. Purchase up to $2,000,000 with as little as 0% down — even during residency. No mortgage insurance. No compromise.
Why This Program
Standard Loans Penalize Doctors.
We Reward Them.
Texas doctors have a unique financial profile — high student debt, delayed income from training, and strong future earnings. Most lenders don't get that. We built this program for Texas medical professionals.
Student Debt Counted Differently
Massive student loans? We calculate them differently than conventional lenders — so your debt doesn't disqualify you.
Residency Income Accepted
Currently in residency or fellowship? Your current income qualifies. You don't need to wait until you're an attending.
High DTI Ratios Accommodated
We allow debt-to-income ratios up to 50% — a major advantage for doctors with student loan obligations.
Zero PMI — Ever
No private mortgage insurance required, even with 0% down. That saves you hundreds of dollars every single month.
Who Qualifies
Eligible Designations
This program is designed exclusively for licensed and training medical professionals practicing or residing in Texas.
Not sure if you qualify? Contact us and we'll check for you.
Program Details
The Numbers That Matter
Designed specifically for Texas doctors — matching the way they actually earn, save, and buy.
Loan Options
Choose the Right Loan for You
Fixed-rate stability or ARM flexibility — both with no PMI and no penalty for your career stage.
Fixed Rate
Consistent payment, every month
Ideal if you plan to stay long-term and want predictable payments from day one.
Adjustable Rate (ARM)
Lower initial rate, shorter horizons
Fixed 5 yrs, adjusts every 6 months
Fixed 7 yrs, adjusts every 6 months
Fixed 10 yrs, adjusts every 6 months
ARM Details — All ARMs are fully amortizing 30-year loans. Indexed to 30-day avg SOFR, 3.50% margin/floor. Assumable.
Student Loan Advantage
In Residency? Your Student Loans Won't Count Against You.
Conventional loans include deferred student loan balances in your DTI calculation — often adding $1,000–$3,000/month in phantom payments. Not here.
If you're currently in a residency or medical fellowship, student loans in deferment or IBR plans can be excluded from your debt-to-income ratio entirely — dramatically improving your qualification.
Offer Letter Program
Got an Offer Letter? You Can Close Now.
You don't have to wait until your first paycheck. We accept projected income from a signed employment offer — even if you haven't started yet.
Start date up to 150 days after closing
One of the most flexible windows in the industry
Guaranteed or minimum salary required
Contract must clearly state a fixed or minimum compensation
Allowed contingencies: license & standard admin
Receipt of medical license, background check, drug test only
Starting Your First Job?
Close Before You Even Start Working. Only Here.
Most loan programs want two years of work history. We built this for the moment you transition — from training to attending, from student to professional.
Whether you're finishing fellowship, starting a private practice, or joining a Texas hospital system — if you have the offer letter, we have the loan.
Reserve Requirement Note
When using projected income, reserve requirements apply. We'll walk you through exactly what's needed during your consultation.
The Process
How It Works
Three clear steps. No surprises. Done right the first time.
Check Your Eligibility
Verify your designation qualifies — MD, DO, DDS, PharmD, DVM, DPM, CRNA, or a resident/fellow in any of those programs.
Submit Your Documents
Share your employment contract or offer letter, medical license, and we'll run your credit and review the full picture.
Close With Confidence
Manual underwrite — no automated rejection surprises. We understand your profile and close your loan efficiently.
Requirements
Program Requirements Snapshot
We believe in full transparency. Here's what's required to qualify.
FAQ
Frequently Asked Questions
The questions every Texas doctor asks before applying.
Yes. Your current residency income is accepted as qualifying income. You don't need to wait until you become an attending physician to purchase a home.
Not if you're in a medical residency or fellowship. Student loans in deferment or IBR plans can be excluded from your debt-to-income ratio, significantly improving your qualification.
Yes. Projected income from a signed employment offer letter is accepted. Your start date can be up to 150 days after closing. The contract must show a guaranteed or minimum salary.
Not necessarily. We offer 100% LTV (zero down) for borrowers with a 680+ credit score up to $1.5M, and 720+ up to $2M. Some scenarios may require a down payment depending on your profile.
No. This is one of the biggest advantages of this program. No PMI is required regardless of your down payment amount — saving you hundreds of dollars per month.
Yes. Gift funds are accepted from family members or domestic partners. There is no minimum borrower contribution required.
1099 income is accepted if you have an executed contract that clearly states a guaranteed or minimum salary for at least 12 months.
The minimum credit score is 680 for most scenarios. A 720+ score is required to access the maximum $2,000,000 loan amount with 100% financing.
Don't see your question? Ask us directly.
Get Started Today
Request Your Consultation
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