Comparing Physician Home Loans Vs. Conventional Mortgages – Which Is Better For You?
March 4, 2026
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Gene Zink (NMLS# 162301 )
972-897-4120
Gzink@bankoftexas.com
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Bank of Texas generally requires a credit score of around 700 or higher to qualify for physician mortgage pricing and flexible terms. Specific score requirements can vary based on loan amount and credit profile.
Bank of Texas may exclude student loans deferred longer than 12 months from the debt-to-income ratio assessment, easing qualification for doctors with large student loan balances.
Yes — physicians including residents and fellows with a signed employment contract can typically qualify before officially starting employment. This helps secure a home early in your career.
Bank of Texas offers 0% down up to ~$1.5M, 5% down up to ~$1.75M, 10% down up to ~$2M, and 15% down up to ~$2.25M depending on the amount you finance.
No. The physician mortgage program does not require private mortgage insurance (PMI) even with low or zero down payments.
Down payment varies by loan size: 0% down for loans up to ~$1.5M, with incremental requirements (5%–15%) for larger loan amounts.
Signing bonuses may be considered part of your income if documented in your employment contract, but final treatment depends on Bank of Texas underwriting policies at application. (Standard practice among physician lenders with contract income.)
Bank of Texas physician mortgage loans are offered in: Texas (TX), Arizona (AZ), Arkansas (AR), Oklahoma (OK), New Mexico (NM), Kansas (KS), Missouri (MO), and Colorado (CO).
Bank of Texas offers competitive fixed/ARM options, flexible student loan treatment, and low to no down payment up to significant loan amounts, similar to other physician mortgage lenders but with regional availability in specific states and a small interest rate discount when using a Bank of Texas account.
The Bank of Texas physician mortgage program is designed for primary residence properties; acceptance of condos or multi-units depends on property eligibility and underwriting guidelines. It’s best to confirm specific property types with a loan officer.
Doctor Loan Programs™ is a division of Physician Focused™, a nationwide advisory platform serving physicians and healthcare institutions.
Across the Physician Focused™ network, the focus remains consistent:
Loan officer participation supports that mission by contributing to a trusted, hospital-safe resource.
Loan officers interested in participating in Doctor Loan Programs™ may request additional information regarding listing availability and participation standards.
