Tell us the metro, the degree, and the debt
Program and regulatory figures verified October 5, 2026. Details change; confirm your scenario with us.
The fastest route to a useful answer is your metro, your credential, roughly what you earn, and what your student loans actually cost you each month.
What should I send?
Metro, degree, your start date if you have not begun yet, approximate income, and your student loan balance with the documented monthly payment.
In Texas that last item usually decides the answer, because the price almost never does — every major metro sits far below the $832,750 conforming limit.
What comes back?
What the programme supports at your numbers, and an honest read on whether a physician loan is the right product for you. In Texas it often is not: if you have a deposit and manageable debt, conventional financing reaches comfortably at typical prices and we will say so. Where each route wins.
★ If you applied for Texas loan repayment and were refused — particularly on a less-than-full-time basis — say so. The July 2026 State Auditor report found the Coordinating Board "inappropriately denied applicants who may have been eligible for prorated awards." That is worth pursuing with THECB before you rebuild your budget around the loss. The audit.
Do you lend across all of Texas?
Yes, statewide. The $832,750 conforming limit applies across the state, and no major metro's typical value approaches it — Austin $417,977, Dallas $360,437, Houston $305,001, San Antonio $276,747.
What varies is how long you have to decide: 61 days in Dallas, 82 in Austin and San Antonio, against a national 53.
Frequently asked questions
How do I apply for a Texas physician loan?
Through a lender that offers the programme. Send your metro, degree, start date, approximate income and student loan documentation showing the actual scheduled monthly payment, and we can tell you what the programme supports before you start looking.Do you lend across all of Texas?
Yes, statewide. The $832,750 conforming limit applies across Texas and no major metro's typical value approaches it, so the programme terms are effectively the same everywhere in the state.How quickly will someone respond?
Our team reviews every Texas physician scenario and reaches out shortly, usually with what the programme supports at your numbers and an honest read on whether a physician loan is the right product for you. If something is time sensitive, calling (480) 296-6513 is faster than the form.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal, tax, or licensure advice. Physician-loan program terms, eligible degrees, and overlays are set by the lender and change; Texas loan-repayment program terms and award cycles change too. Confirm your scenario with us and your program administrator. All loans are subject to borrower and property qualification, including credit and income review.