Physician Mortgage Loans in Texas — Low Down Payment, No PMI.
Whether you're practicing in Houston, relocating to Dallas, or finishing residency at Baylor College of Medicine — Sean Shallis specializes in physician lending nationwide.
As little as 10% down. No PMI. Up to $1M. Student loan-friendly. Originated through a national portfolio lender.
Texas physicians deserve a lender who gets it.
Sean Shallis is a national physician loan specialist who originates through a national portfolio lender, with the same file and the same underwriter from application to close. He's married to a physician — he understands the student debt, the relocations, the delayed gratification, and the earning curve that makes physicians uniquely qualified borrowers.
Whether you're an attending at Houston Methodist, a resident at Baylor College of Medicine, or relocating to Houston for a new role — Sean's physician loan programs are available nationwide with the same white-glove service.
Attending Physicians
MDs, DOs, JDs in Texas. Up to $1M, as little as 10% down, no PMI.
Residents & Fellows
Training at Baylor College of Medicine? Qualify on your signed contract, not current salary.
Relocating to Texas
Moving to Houston or Dallas for a new role? Close before you start.
Construction & Renovation
Building or renovating in Texas? Single-close construction-to-permanent loans available.
As little as 10% down, no PMI — up to $1M
No private mortgage insurance, regardless of LTV
Underwritten on earning trajectory, not current IBR
Physician-specific processing lane
Sean vs. Typical Texas Lenders
Most Texas lenders offer physician loans. Very few offer physician lending strategy.
Serving Physicians Across Texas
Sean works with physicians at every major Texas institution — and nationwide.
Physician mortgage loans available for physicians buying or refinancing in Houston.
Physician mortgage loans available for physicians buying or refinancing in Dallas.
Physician mortgage loans available for physicians buying or refinancing in Austin.
Physician mortgage loans available for physicians buying or refinancing in San Antonio.
Residents and fellows can qualify with a signed employment contract.
Residents and fellows can qualify with a signed employment contract.
Residents and fellows can qualify with a signed employment contract.
Residents and fellows can qualify with a signed employment contract.
Attending physicians and staff can access physician loan programs.
Attending physicians and staff can access physician loan programs.
Attending physicians and staff can access physician loan programs.
Attending physicians and staff can access physician loan programs.
Physician Loan FAQ — Texas
Can I get a physician loan if I'm relocating to Texas?
I'm a resident at Baylor College of Medicine. Can I buy now?
Does Sean work with physicians in Houston and Dallas?
What are the down payment requirements?
Can I build a home in Texas with a physician loan?
Is the AI rate monitoring really free?
Ready to see what you qualify for in Texas?
90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know Texas before you borrow
How closings work in Texas
Title companies run closings statewide, and the seller customarily pays for the owner's title policy. There is no state income tax.
Taxes and transfer costs
With no income tax, property taxes carry more of the load and are higher than most buyers from other states expect. The homestead exemption matters, and the Texas constitution places its own limits on home-equity and cash-out lending that do not exist elsewhere.
Insurance that shapes the file
Hail and wind drive premiums across the state; coastal counties rely on the Texas Windstorm Insurance Association for wind coverage and often need flood insurance too.
Where people are buying
Houston · Dallas–Fort Worth · Austin · San Antonio · the Rio Grande Valley. First-time and lower-down-payment programs run through the Texas Department of Housing and Community Affairs (TDHCA).
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Texas →