Physician Mortgage Lenders in Texas
Texas' massive and diverse healthcare industry—spanning Houston, Dallas, San Antonio, Austin, and beyond—attracts physicians seeking career advancement. Texas physician mortgage lenders offer programs with no PMI, higher loan limits, and flexible terms designed for medical professionals at MD Anderson, UT Southwestern, and systems statewide.
Premier Lenders
Alliant Credit Union offers an industry-leading Medical Professional Loan Program designed to support physicians and medical professionals through career transitions, relocations, and early earning years. The program is available nationwide (except Maryland) and is known for its high loan limits, flexible student loan treatment, and no private mortgage insurance.
Alliant treats its physician loan as a core lending product, allowing for consistent underwriting, conforming and non-conforming options, and flexible qualification for both new and established medical professionals.
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Bank of Texas offers a medical professional mortgage program designed to support physicians and eligible healthcare professionals with low down payment options, flexible underwriting, and competitive rate structures.
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First Western Trust offers a professional mortgage program designed for physicians and other qualified professionals transitioning into higher-income careers. The program is structured as a portfolio lending solution, allowing more flexibility than conventional secondary-market mortgages. It is designed to support medical professionals early in their careers, including residents transitioning to attending roles and physicians relocating for new employment.
The program focuses on liquidity preservation, flexible underwriting, and contract-based qualification for borrowers entering new employment.
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Truist Bank offers a physician mortgage program designed to help licensed medical professionals purchase a primary residence with flexible financing options. The program provides low- to no-down-payment alternatives, no mortgage insurance, and student loan debt flexibility, making it easier for doctors to qualify for a home loan while managing the unique financial challenges of medical training and practice.
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Lenders
BMO Bank offers a physician and dentist mortgage program designed to support medical professionals through career transitions, relocations, and early practice years. The program is supported by loan officers who specialize in physician lending and have extensive experience working specifically with doctors and dentists.
BMO treats its physician loan as a core relationship product, allowing for flexible underwriting, high loan limits, and alternative income qualification for both W2 and select 1099 physicians.
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First Citizens Bank offers a physician mortgage program designed for medical professionals seeking flexible, high-balance financing with no private mortgage insurance. The program supports both early-career and established physicians and allows for alternative treatment of student loan debt, future employment income, and tiered down payment structures for higher loan amounts.
This program is built to accommodate doctors purchasing or refinancing primary or secondary homes, as well as those building new homes through construction-to-permanent financing.
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Flagstar Bank is historically one of the largest lenders in the United States, ranking among the top 10 nationally for residential mortgage origination. Flagstar is licensed to lend in every state and offers relationship pricing for Private Clients with loan amounts up to $10 million. The bank provides flexible professional mortgage programs designed for doctors, attorneys, certified public accountants, and other qualifying professionals seeking low down payment and competitive rate options.
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Green State Mortgage is a boutique lender with access to competitive rates and mortgage programs. The company focuses on tailoring lending solutions to meet each borrower’s individual needs.