Bank of Texas
Program Details
Bank of Texas provides a physician-focused mortgage program for primary residence purchases and refinances. The program includes relationship-based pricing incentives and flexible treatment of student loan debt for qualified borrowers.
Terms
Financing Options
100% financing up to $1,500,000
95% financing up to $1,750,000
90% financing up to $2,000,000
85% financing up to $2,250,000
Eligibility & Requirements
Minimum 700 credit score
Available for U.S. borrowers within approved states
No limit on number of properties owned
No maximum time in job field
Property & Occupancy
Single-family home
Townhome
Condominium
Primary residence only
Transaction Types
Purchase
Refinance
Program Features
No Private Mortgage Insurance (PMI)
Seller contributions allowed:
Up to 3% above 90% LTV
Up to 6% below 90% LTV
Student loan flexibility:
Deferred loans (12+ months) may be excluded
Income-based repayment allowed
Future income allowed — may close up to 90 days before start date
Portfolio loans (not sold to third parties)
No prepayment penalty
Loan recast available (small administrative fee, no requalification required)
Strengths
True 100% financing up to $1.5M
Portfolio lending with in-house servicing
Flexible student loan treatment
No PMI across all tiers
High loan limits with low down payment options
Recast flexibility to reduce payments after principal reduction
Disclaimers
Programs, rates, terms, and conditions are subject to change without notice.
All loans are subject to credit approval and underwriting guidelines.
Additional terms and conditions may apply.
Eligible Degrees
DC
OMS
DDS/DMD
Fellow
Intern
MD/DO
CRNA
NP
OTD/MOT
OD
PharmD
DPT
PA
DPM
RN
Resident
DVM
= Eligible
= Not Eligible
Approved States
AR
AZ
CO
TX
NM
KS
MO
OK
