Tim Scurlock, Arvest — Best Physician Mortgage
Dr. Home Finance
TLDR
Buying a home in Arkansas as a physician requires more than strong finances—it requires a loan structure that fits your timeline, contract-based income, and relocation needs.
Physician mortgage loans offer advantages like low or no down payment, no PMI, and underwriting flexibility tailored to medical careers.
The right fit depends on your situation—whether you’re a resident, new attending, or relocating physician—making factors like liquidity, student loan treatment, and contract clarity essential.
Working with experienced physician mortgage lenders ensures smoother execution, fewer surprises, and a process that aligns with your schedule.
Connect with a physician mortgage specialist at Arvest to get started
When another lender denied a young physician's mortgage days before a planned move, Tim Scurlock (NMLS 1134171) and his team reviewed the credit report and employment contract, found an alternative, and "not only ensured an approval but saved the deal from falling apart." A physician mortgage specialist with Arvest, Tim treats the mortgage as one part of a much larger transition.
Who Tim Scurlock works with
Tim serves physician borrowers in Arkansas, Kansas, Missouri, and Oklahoma — residents, fellows, and attendings across a broad range of designations (MD, DO, DDS, DMD, DPM, CRNA).
Finance up to 103% of the purchase price
One of the more unusual options Tim offers: financing up to 103% of the purchase price — "100% of the purchase price plus up to 3% toward closing costs, taxes and insurance." For an eligible physician relocating across the country and waiting on a first paycheck, financing that preserves cash during the move can matter more than a slightly lower rate.
Four months before your first day
Many buyers assume they need to start the job before a lender can use the income. Tim works with physician programs that can allow eligible borrowers to close up to 120 days before the new position begins — so a physician can buy, move, and get settled before the demanding first day of an attending role.
More than an approval letter
Tim's view is that the right team changes outcomes. He helps place a "concierge team" of Realtor, insurance agent, wealth planner, and family-trust attorney so a physician can establish community and financial footing in a new city — and he uses side-by-side comparisons (Mortgage Coach) to show how fixed- and adjustable-rate options perform over the years a doctor actually expects to own the home. A well-prepared physician offer, he argues, can be "as good as cash" in the confidence it gives a seller.
Why work with a specialist
A physician mortgage isn't automatically the answer — Tim compares eligibility across programs and recommends conventional financing when it saves the borrower money. What doesn't change is preparation: review the contract and student loans early, and talk to references from other physicians before you commit. For the fundamentals, see our guide to how physician mortgages work.
Get connected with Tim Scurlock
Financing a home in Arkansas, Kansas, Missouri, and Oklahoma? Get matched and Dr. Home Finance will connect you.
Frequently Asked Questions
Which states does Tim Scurlock serve?
Tim Scurlock serves physician borrowers in Arkansas, Kansas, Missouri, and Oklahoma.
Can I really finance more than the purchase price?
Tim's team offers a program providing financing up to 103% of the purchase price — 100% of the price plus up to 3% toward closing costs, taxes, and insurance for eligible borrowers. Eligibility and allowable financed costs are confirmed with the lender.
How early before my start date can I close?
Tim works with physician programs that can allow eligible borrowers to close up to 120 days — about four months — before a new position begins, subject to the employment agreement and the lender's requirements.
Dr. Home Finance is an educational and lender-matching resource and is not a mortgage lender. Loan programs, rates, and terms vary by borrower, bank, and state and are subject to change. Nothing here is an offer to lend.
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