Physician Loan Program in Texas

Medical professionals often have strong long-term earning potential, but early in their careers they face challenges that don’t fit neatly into traditional mortgage guidelines — including student loan debt, recent job changes, and limited time to manage a complex process.

Physician loan programs are designed to account for those realities.

At 210 Mortgage, I help eligible physicians across Texas structure mortgage financing with clear expectations, conservative underwriting, and a process built to close cleanly.

Tyler Krug | Mortgage Broker | 210 Mortgage
Serving medical professionals statewide in Texas

A physician loan is a specialized mortgage program created for certain medical professionals whose education, income trajectory, and employment structure differ from traditional borrowers.

Depending on the program and qualifications, physician loans may allow for:

• Low or no down payment options (including 100% financing in some cases)
• No monthly mortgage insurance
• Flexible treatment of student loan debt
• Qualification using an employment contract or offer letter
• Competitive loan options for higher-priced homes

These programs are designed to be used responsibly and evaluated carefully — not as a shortcut.

Physician loan eligibility is limited to specific professional designations.

To be considered, at least one borrower whose income is used to qualify typically must hold one of the following credentials:

• Medical Doctor (MD)
• Doctor of Osteopathic Medicine (DO)
• Doctor of Dental Surgery (DDS)
• Doctor of Dental Medicine (DMD)
• Doctor of Pharmacy (PharmD)
• Doctor of Veterinary Medicine (DVM/VMD)
• Doctor of Podiatric Medicine (DPM)
• Certified Registered Nurse Anesthetist (CRNA)
• Medical residents and fellows holding one of the above degrees

Eligibility varies by lender, loan amount, employment structure, and credit profile. Final approval is subject to program guidelines and underwriting review.

If you’re unsure whether your role qualifies, I’m happy to review it and give you a clear answer upfront.

Physician loan programs are often a strong fit when:

• You’re relocating for residency, fellowship, or a new attending position
• You have significant student loan debt but strong income prospects
• You prefer to preserve cash reserves rather than make a large down payment
• You’re buying in a higher-cost Texas market
• You want a lender who understands medical employment contracts and timelines

These programs are not ideal for every situation, which is why a careful upfront review matters.

Physicians don’t need sales pressure — they need clarity and execution.

My process focuses on:

• Clear qualification review from the start
• Contract-based income evaluation when applicable
• Conservative documentation requirements upfront
• Direct communication and realistic timelines
• A smooth transition from pre-approval to closing

No confusion. No last-minute surprises.

While requirements vary by situation, most physician loan pre-approvals include:

• Employment contract or offer letter (if relocating or newly employed)
• Recent pay stubs (if currently working)
• Two months of bank statements
• Credit review
• Student loan documentation (if applicable)

I’ll explain exactly what’s needed based on your career stage and loan structure.

I work with medical professionals throughout Texas, including:

• San Antonio (UT Health, BAMC, military medical community)
• Austin
• Houston (Texas Medical Center)
• Dallas–Fort Worth
• El Paso
• Corpus Christi
• And other major Texas markets

If you’re relocating anywhere in Texas, I can help you evaluate whether a physician loan is the right fit.

If you’re a resident, fellow, or practicing physician considering a home purchase in Texas, the best next step is a clean pre-approval with clear expectations.

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📞 Call or Text: 210-204-8249
🌐 Apply Online: www.210mortgage.com
👤 Tyler Krug | 210 Mortgage

Physician loan programs can be an excellent tool when used thoughtfully and structured correctly.

If you want an honest assessment of your options — without pressure or guesswork — I’m happy to help.

Tyler Krug
Mortgage Broker
210 Mortgage

📞 210-204-8249
🌐 www.210mortgage.com