Tom Jarrett, Primis — Best Physician Mortgage
Jessica Hegge
TLDR
Tom Jarrett (NMLS 742280) is a physician mortgage specialist with Primis Bank serving Arizona and Texas.
With 25+ years in financial services, he focuses on graduating residents and new attendings navigating their transition year.
Primis offers no PMI, up to 100% financing, and underwriting based on expected/future income.
"Your first attending year is a transition year — the income changes fast, and the financial decisions feel bigger than ever." That's how Tom Jarrett (NMLS 742280) describes the borrowers he serves. With over 25 years in financial services, Tom specializes in helping graduating residents and new attendings buy with confidence through Primis Bank.
Who Tom Jarrett works with
Tom Jarrett serves Arizona and Texas, working with residents, fellows, and attendings across a broad range of physician and allied-health designations.
The Primis Bank physician program
The Primis Bank program is designed for doctors' timelines:
No private mortgage insurance (PMI) at listed LTV tiers
Up to 100% financing to $1,000,000; 95% to $1,500,000
Underwriting based on expected/future income, not just current DTI
A broad list of eligible medical and allied-health professions
Why work with a specialist
Offering physician mortgages and specializing in them are not the same thing. A specialist already knows how underwriting treats student loans, future income, and contract-based pay — which prevents avoidable delays. For the fundamentals, see our guide to how physician mortgages work.
Get connected with Tom Jarrett
Financing a home in Arizona and Texas? Get matched and Dr. Home Finance will connect you.
Frequently Asked Questions
Which states does Tom Jarrett serve?
Tom Jarrett serves physician borrowers in Arizona and Texas.
What does the Primis Bank physician program offer?
No PMI at listed LTV tiers, up to 100% financing (up to $1,000,000; 95% up to $1,500,000), and underwriting based on expected/future income rather than only current DTI.
Does Tom work with graduating residents?
Yes — Tom specializes in helping graduating residents and new attendings, including qualifying on a future-dated employment contract.
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.
Get matched with a physician mortgage lender
