100% Financing up to $750,000 loan amount with No PMI
95% Financing up to $1,500,000 loan amount with No PMI

Texas Physician Home Loan Experts

We understand the financial challenges you may face as a young physician, such as having a limited down payment for a home. Complete our FREE, No Obligation Consultation Form & we’ll answer all your mortgage questions today!
All lending products are subject to application and credit approval

As a doctor focused mortgage team, we understand your unique situation

From the time you apply for your physician home mortgage loan, until the day you close and get the keys to your new home, our specially trained and experienced staff manages and oversees the entire loan process.
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Medical Residents

If you plan to buy a home at any time during your residency, this is THE loan for you. No limits on experience.


Find and secure your dream home for your fellowship. We have loans to meet your needs.

Texas Doctor Loans - Physician Mortgage Loans

Practicing Physicians

You have experience and time on your side. We have excellent loan options for MD, DO and DDS healthcare professionals.

Learn More About Our Physician Mortgage Loans

A mortgage with the benefits you are looking for:
100% Financing – No Money Down
Flexible Loan Programs – Choose the payment option that is Best for you
No PMI – Lower Monthly Payments
Move in up to 90 days prior to starting your next position
No Pre-Payment Penalty
A loan solely for Physicians with unique underwriting
Portfolio loans underwritten in house and serviced by First United Bank
Put Our Experience To Work For You
See what our clients have to say about us
The Go-To Person
Scott Wells is the go-to person for home  mortgage loans. He was patient during the entire process and answered all my questions. He went above and beyond to meet my needs. A++
- Mihir P., Keller, TX 
A Pleasure to Work With
Scott Wells is a pleasure to work with. I look forward to working with
him again.
- Shay M., Dallas, TX 
Seamless & Stress-Free
Scott made the home buying process seamless and stress free. It was
a great experience.
- Bradley B., Frisco, TX 
Win-Win Situation
Scott Wells did a fantastic job. He is knowledgeable, informative, and responds to phone calls & emails within an hour. I wouldn't go anywhere else. Because of past service and Scott, it was a win-win situation for me.
- Joe F., Dallas, TX 
The Best Service
Just keep up what has been the best service and customer care we've experienced in a long time from any company. Throughout the whole process of our original loan and this refinance, Scott has cared for us in every decision like family. Thanks
for following through on everything.
- David F., Rockport, TX 
Terms & Conditions
For MD, DO, and DDS clinical degrees only
100% financing up to $750,000 loan amount with no PMI
95% financing up to $1,500,000 loan amount with no PMI
For medical residents, fellows, practicing physicians, and dentists
US Citizens, Permanent Resident Aliens, and Non-Permanent Resident Aliens Permitted
Can close up to 90 days before the start date of your new job with signed employment agreement
Single family homes and townhomes allowed
Condominiums allowed but must meet warrantable guidelines per Fannie Mae
NMLS ID: 0000595286
scott wells doctor loans
Scott Wells has worked in the mortgage industry since 2001 and has experience with all loan types. He has been specializing in physician lending since 2010.

Scott and his team are committed to providing professional, first-class service to his customers. From application to closing, he is available to answer any questions you have. Thank you for choosing Scott Wells to assist you with your mortgage lending needs.
First United Bank is dedicated to building a culture of care in the communities we serve and helping others find their path to success. We build lifelong, multigenerational relationships and use our collective talents to make our community a better, stronger, more stable place, one customer, one family, one company at a time.
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