You Saved Lives.
Your Home Loan Should Actually Work for You.
Physician loan programs designed for Austin's medical professionals — $0 down, no PMI, and student loans won't kill your deal.
The Mortgage System Wasn't Built for Doctors
Traditional lenders look at your file and see red flags. Here's what they penalize you for — and why it's completely backwards.
Student Loans Tank Your DTI
Even in deferment, most lenders count every dollar of med school debt against you — crushing your debt-to-income ratio before you even start.
They Want 2 Years of Employment
You just finished residency or fellowship. To a retail bank that looks like instability — even though you're about to earn more than 98% of borrowers.
No Savings for 20% Down
When you're paying thousands a month in student loan minimums, saving $80K–$120K for a down payment isn't realistic. You shouldn't have to.
You Don't Have Time to Shop
You're working 60–80 hour weeks. You don't have time to call 5 lenders and decode mortgage jargon. You need someone who gets it done.
Complex Income Gets Flagged
Call pay, shift differentials, signing bonuses, 1099 moonlighting — traditional lenders struggle with medical income structures and delay your closing.
One Bank = One Option
Going to your hospital's preferred bank means you get their rate, their terms, their timeline. You deserve the whole market working in your favor.
Physician Loan Programs Change Everything
These programs were built for exactly your situation. Here's what you actually get.
$0 Down — No PMI
Finance up to 100% with zero private mortgage insurance. Keep your cash for what matters.
Student Loans Excluded From DTI
IBR payments used, or loans excluded entirely. Your education shouldn't block your home.
Offer Letter Accepted
Haven't started your new job yet? No problem — an executed offer letter qualifies you.
Up to $2M Loan Amount
Jumbo physician loans available. Buy the home you want in Austin, not just what a conforming limit allows.
Works for Residents & Fellows
You don't need attending income. Residency salary qualifies — lenders know what's coming.
100+ Lenders Competing for You
As an independent broker, Eddie shops every physician loan program on the market and brings you the best rate.
Who Qualifies for Physician Loan Programs?
Whether you're a first-year resident or a seasoned attending, there's a program built for your stage of career.
Closed in 3 Simple Steps
No runaround. No sitting on hold. Eddie knows your schedule.
Apply in Minutes
Start your application online — no credit pull required for a pre-qualification. Get clarity on what you can borrow fast.
Eddie Shops 100+ Lenders
As an independent broker, Eddie searches every physician loan program available — not just one bank's offer.
Close with Confidence
Same-day pre-approvals, physician-specific underwriting, and competitive rates retail banks can't touch.
Austin's Medical Community Deserves Better
From Dell Seton Medical Center and St. David's to UT Health Austin and Ascension Seton, Austin's healthcare professionals are some of the hardest-working people in the city. Eddie Gamez has helped dozens of physicians, residents, and healthcare workers close on Austin homes — with programs the retail banks don't offer.
Explore other loan programs
This is not a commitment to lend. All loans subject to credit approval, underwriting review, and applicable state and federal laws. Equal Housing Opportunity. Physician loan program availability and terms vary by lender and borrower qualifications. Eddie Gamez NMLS# 2115994 · Edge Home Finance Corporation NMLS# 891464. Contact us for personalized rate information.