Physician loan programs
Many lenders offer physician loans that may allow a low or zero down payment, no private mortgage insurance and a different treatment of student debt. Terms vary by lender.
For Attendings, residents, fellows and med students
Realtor for physicians and residents in TexasThe Texas Realtor for physicians, residents and fellows.
Match Day, a move and a new program all at once. We plan your home purchase around your start date so you walk into your first day with your own keys.
- Full Time
- Top Producer
- 100+ homes sold
On your scheduleMornings, evenings, weekends or video
How we help physicians and residents
A home buying plan that fits your career.
Buy before you start
Many lenders can close with a signed employment contract. We line up the timeline from Match Day to your first shift.
Search from anywhere
Live video tours, electronic signing and a local partner on the ground, so you can buy from out of state.
Near your program
We search by drive time to your hospital and the call room schedule you will actually keep.
Loan programs, eligibility and terms are set by each lender and change over time. This is general information, not a commitment to lend. Talk with a licensed loan officer about your situation.
The Medical Pro plan
Four steps. Zero wasted days off.
Quick consult
A free 30 minute call or video chat. We map budget, commute and timeline.
Get pre approved
Meet lenders who understand your pay, contracts and start date.
Tour on your time
Mornings, evenings, weekends or video. We shortlist so you only see homes worth your energy.
Close and celebrate
We handle the negotiation and paperwork. You show up for the keys.
Where we help physicians and residents buy
Homes near the major medical centers of Dallas Fort Worth and Greater Houston.
★★★★★ Google reviews
What clients say about working with Brandon.
Free guide
Scrubs to Keys
The healthcare professional's guide to buying a home in Texas. How to finance around student debt, where to buy so your address keeps up with your career, and how your first home can start generational wealth.
- Five questions to ask any lender, word for word
- What to look for in a home when you work shifts
- A timeline built around Match and start dates
- The Scrubs to Keys checklist
Free, 30 minutes, by phone or video
Book your consult between shifts.
Pick a time that works for you. We map your budget, your commute and your timeline, then build your search.
Brandon YatesFull Time Realtor, Top Producer, 100+ homes sold
★★★★★ on Google
★★★★★ on Google
Physicians and Residents home buying questions
What is a physician loan?
A physician loan is a mortgage program for doctors offered by some lenders. Depending on the lender, it may allow a low or zero down payment, no private mortgage insurance, and student debt counted differently than a conventional loan. Terms vary and change over time.
Can residents use a physician loan?
Many programs include residents and fellows. Some extend to dentists and other professionals. We connect you with lenders who offer them in Texas.
Can I buy a home before residency starts?
Often yes. Many lenders can close with a signed contract or offer letter. We plan your closing around your start date.
Should I buy or rent during residency?
It depends on how long you will stay, your budget and the area. We walk through both on a free consult so you can decide with real numbers.