You Take Care of Texas.
We'll Handle the Mortgage.
Home financing built for physicians, nurses, residents, and other medical professionals — with flexibility around student debt, new employment contracts, and the schedules that come with the job.
What Is a Doctor & Nurse Loan?
Medical careers don't fit the standard mortgage box. Long training timelines, significant student debt, and income that jumps at each career stage can make a strong borrower look risky on paper. Doctor and nurse loan programs are designed around that reality.
These programs take a smarter view of student loans, accept employment contracts as proof of income before you start, and offer flexible down payment structures — so a resident starting in July or a nurse changing hospitals isn't penalized for a career that's clearly on solid ground.
Not sure this is the right fit? A standard conventional loan or FHA loan may serve you better depending on your numbers — we'll compare them side by side and tell you straight.
Built for Medical Professionals
| Profession | Notes |
|---|---|
| Physicians | MD and DO — attendings, residents, and fellows, including those with a signed contract who haven't started yet. |
| Nurses | RNs, nurse practitioners, CRNAs, and nurse anesthetists — full-time, contract, or travel assignments reviewed case by case. |
| Dentists & specialists | DDS, DMD, and veterinarians (DVM) are commonly eligible under physician-style programs. |
| Other clinical roles | PAs, pharmacists, and therapists may qualify depending on the program — ask us, the list is longer than most people think. |
Where These Programs Flex
Student Loan Treatment
Deferred loans or income-driven repayment plans can be counted at their actual payment — often the difference between qualifying and not.
Future Income Counts
A signed offer or employment contract can document income before your first shift, so you can close around your start date instead of months after.
Down Payment Flexibility
Low-down-payment options for qualified borrowers let you buy sooner without draining reserves built during training.
Short Job History, OK
New attendings and recent graduates aren't punished for a short employment history when the career path explains it.
Relocation Ready
Matched across the state? We lend everywhere in Texas — see the areas we serve.
Not the Only Path
Sometimes FHA, conventional, or a first-time buyer program wins on the math. We'll show you every option.
Common Misconceptions
My student debt is too high to buy a home.
Underwriting for medical professionals can use your actual income-based payment rather than a percentage of your full balance. Many borrowers who assumed "no" are a clean "yes."
I have to wait until I've been at my job for two years.
A signed employment contract in your field can document income before you start. Residents and new attendings buy homes on exactly this basis every year.
These programs are only for physicians.
Nurses, NPs, CRNAs, dentists, veterinarians, and other clinical roles are eligible under many programs — the label "doctor loan" undersells who qualifies.
Doctor & Nurse Loan Questions, Answered
Often, yes. A signed contract with a start date in the near future can be used to document income, letting you close around your move instead of renting first.
Travel and contract nursing income is reviewed case by case — consistent assignment history helps. Bring us your last two years of contracts and we'll map the path.
Not always. Depending on your credit, savings, and timeline, a conventional or FHA loan can win on total cost. We run the comparison for every client and show you the numbers side by side.
Yes — these programs layer on top of normal underwriting, so co-borrower income, assets, and credit all work the way they would on any loan.
This page is general educational information and is not a commitment to lend, an offer of credit, or legal, tax, or financial advice. Program availability, eligibility, and terms vary by borrower qualification and lender guidelines and are subject to change without notice. All loans subject to credit approval, underwriting, and property qualification. Equal Housing Opportunity.
Your Career Is the Qualification.
Tell us where you are — residency, new contract, or ten years in — and we'll tell you exactly what you can do, on your schedule.
