Nurse Mortgages in Texas


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Broadway National Bank

(TX)

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Online

usually responds within 30 minutes

Broadway National Bank

(TX)

$100M Closed Loans

Broadway National Bank, established in 1941, is a reputable financial institution offering comprehensive banking services, including loans, deposits, and wealth management to individuals and businesses.

High-income professionals can benefit from Broadway National Bank's range of services. These include personalized wealth management, business banking solutions, and high-yield checking accounts. The bank also offers estate planning, investment services, and personalized financial advice for complex financial situations. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $1,500,000
Down payment Financing
5%up to $1 million
10%up to $1.5 million
Eligible degrees:
  • DDS/DMD
  • DVM
  • CRNA
  • PA
  • JD
  • CPA
  • MD/DO
  • Fellow
  • Resident
  • DPM
  • OD
  • PharmD
  • NP
  • DC
  • PhD
  • RN

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

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Online

usually responds within 30 minutes

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

$100M Closed Loans

First Citizens, founded in 1898, is a full-service commercial bank with over 500 branches, offering a wide range of retail and corporate financial services.

High-income professionals can benefit from First Citizens' services, including wealth management, private banking, and insurance. Their offerings also comprise personalized financial planning, customized credit solutions, and estate planning. They provide tailored strategies to optimize financial growth and security. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $1.5 million
20%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • CRNA
  • NP
  • PA
  • DC
  • DVM
  • PharmD
  • JD
  • CPA
  • PhD
  • RN

First National Bank

(TX)

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Online

usually responds within 30 minutes

First National Bank

(TX)

$100M Closed Loans

First National Bank, established in 1901 in Texas, offers a comprehensive range of banking services including personal, business, and agricultural finance.

High-income professionals at First National Bank are offered services such as wealth management, estate planning, and financial planning. They also benefit from private banking privileges, including tailored loans, premium interest rates, and personalized financial advice. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $1,250,000
Down payment Financing
5%up to $1.25 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • JD
  • DC
  • CPA
  • PhD
  • RN
  • DPM
  • PA

Flagstar

(All 50 States Except NY)

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Online

usually responds within 30 minutes

Flagstar

(All 50 States Except NY)

$100M Closed Loans

Flagstar, founded in 1987, is a leading national bank headquartered in Michigan, offering a broad range of banking, mortgage, and lending operations.

High-income professionals can utilize Flagstar's wealth management services for their financial planning needs. These services include personalized investment strategies, retirement planning, estate planning, and trust services. Additionally, Flagstar offers private banking solutions such as tailored loans and exclusive credit options. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $3,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $3 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • CPA
  • RN
  • DC
  • PhD

GreenState Credit Union

(All 50 States Except CA)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

GreenState Credit Union

(All 50 States Except CA)

$100M Closed Loans

GreenState Credit Union, founded in 1938, is a member-owned financial cooperative providing diverse banking services to more than 350,000 members across the United States.

High-income professionals can take advantage of a variety of services from GreenState Credit Union. These include exclusive checking and savings accounts with competitive interest rates, extensive loan options, wealth management and investment services, retirement planning, and insurance services, all designed to optimize their financial growth and security. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • PharmD
  • NP
  • PA
  • CRNA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Simmons Bank

(AR, IL, KS, MO, OK, TN, TX)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Simmons Bank

(AR, IL, KS, MO, OK, TN, TX)

$100M Closed Loans

Simmons Bank, founded in 1903 in Arkansas, is a full-service financial institution offering a range of banking products and services in multiple states across the US.

High-income professionals can benefit from Simmons Bank's range of services, including wealth management, private banking, investment services, and financial planning. The bank offers personalized solutions tailored to meet their unique financial needs and goals. [ Read Review → ]

  • Minimum credit score: 640
  • Maximum loan: $417,000
Down payment Financing
0%up to $417,000
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • OD
  • CRNA
  • DPM
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

University Federal Credit Union

(TX)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

University Federal Credit Union

(TX)

$100M Closed Loans

University Federal Credit Union, founded in 1936, is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to its members.

High-income professionals can leverage University Federal Credit Union's services for a variety of financial needs. These include premium checking accounts, high-yield savings options, personal and home loans, wealth management, and financial planning. Credit cards with competitive rewards are also on offer. The institution provides online banking for easy access [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $1,500,000
Down payment Financing
0%up to $850,000
5%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • CRNA
  • PharmD
  • NP
  • PA
  • DPM
  • OD
  • JD
  • DC
  • CPA
  • PhD
  • RN

Key Terms

  • Texas nurse mortgages are specially designed for healthcare professionals, offering lower or no PMI payments, low down payments, and flexible approval criteria to help more nurses own homes.
  • These programs often include benefits such as down payment assistance and are more accommodating of nurses’ unique employment situations—like irregular schedules or multiple jobs—making it easier to qualify compared to traditional loans.
  • Despite the advantages, potential borrowers should consider the availability of these specialized loans, as they may be less common and could have specific requirements that need careful consideration before proceeding.

The Lone Star State’s vast and diverse landscapes – from sprawling deserts to lush forests and scenic coastlines – appeal to outdoor enthusiasts seeking adventure and exploration. Plus, its warm and welcoming communities, rich cultural heritage, and legendary Texan hospitality make the state a place where people from all walks of life can find a sense of belonging and opportunity.

Texas doesn’t shortchange on industry, either. The Lone Star State is home to a number of large industries, including healthcare. For this reason, it’s unsurprising that so many nurses call Texas home. According to the Bureau of Labor Statistics, 277,400 nurses live and work in the state, including 5,390 certified registered nurse anesthetists and 20,170 nurse practitioners. 

Buying a home in Texas, however, is becoming more difficult. According to the FED, the median listing price of a single-family home is right around $375,000. This means the purchase price of a new home is outside the range of affordability for many nurses.

That’s where nurse mortgages come in. Nurse mortgage loans are designed just for nurses, helping to make home purchases easier for these healthcare professionals. Let’s dive into some details about home loans for nurses. 

The pros and cons of home loans for nurses in Texas

A nurse mortgage might just be the bee’s knees for nurses compared to a conventional mortgage. Here’s why.

Firstly, these mortgages often cut borrowers some slack in terms of qualifying criteria. If you’re a nurse with a wonky work schedule or a patchwork of jobs, you might find it approval easier. Plus, nurse mortgages sometimes come with nifty perks tailored specifically for nurses, like down payment assistance programs, debt forgiveness programs for those working in underserved areas, and help with closing costs. An added bonus? They often require no private mortgage insurance (PMI) or offer lower rates, meaning you may get a good deal with lower monthly payments. Overall, nurse mortgages are like a friendly handshake to nurses. They recognize nurses’ unique needs and make the path to homeownership smoother.

In addition to helping nurses become homeowners, healthcare professionals who already own a home can use these loans to refinance a mortgage. This is great for finding better loan terms, such as lower interest rates or switching from a variable to a fixed-rate mortgage.

If you have served in the military or are currently serving, you have even more options for nurse mortgages. You may be eligible for a VA loan, which typically means low credit score requirements, no PMI, and no down payment needed for low interest rates and closing costs.

There are cons, of course. These nurse loans may be few and far between, as most lenders offer conventional mortgages. Fortunately, we have put together a list of your best options in Texas to make the process easier.

What do you need to qualify for a nurse home-buying program?

Eligibility requirements differ depending on the program but are likely to include the following:

  • Credit score. Whereas conventional mortgages typically require a credit score of at least 620, nurse mortgages are more flexible. For instance, credit score requirements for a loan from the Federal Housing Administration (an FHA loan) are typically between 580 and 620. Plus, these loans have low down payment options, making them popular with first-time homebuyers.
  • Income limits. Some nurse mortgages have income limits, including those in the Homes for Heroes program as well as USDA loans to purchase real estate in a rural area. However, other programs have no such limits.
  • Proof of income. Your loan officer will need to see evidence of your income, such as in the form of pay stubs, to determine your mortgage options.

How is a Texas nurse mortgage different from regular home loan programs?

The main way in which Texas nurse mortgages differ from conventional loans is they are designed for nurses. That means your lender will:

  • Understand your pay structure
  • Accept that you may have an erratic schedule, such as in the case of travel nurses
  • Accept that you may have more than one job
  • Understand that you may have debt from student loans leading to a high debt-to-income ratio

These lenders also know how to work with nurses. You’ll find it to be a satisfying and consultative process, as opposed to the more clinical process of a taking out a conventional loan. Your program may also connect you with other nurses in your region, which will expand your personal and professional network in Texas. Lastly, the loan officer may be able to recommend other resources to make upfront payments more affordable, such as grants and down payment assistance through programs like Nurse Next Door.

Medical professionals who take out nurse mortgages in Texas: a case study

Sarah is an energetic ER nurse working long hours in bustling Houston, Texas. Despite her dedication to saving lives, Sarah’s dream of homeownership has seemed out of reach. This is because Sarah isn’t just an ER nurse. Since her job is low income, she also works part-time as a private caregiver to make ends meet and pay down her student debt. This isn’t a good look for a traditional loan – when she applied for a traditional mortgage, her multiple jobs raised eyebrows among lenders.

Disheartened by the rejection, Sarah confided in a colleague who mentioned something called a nurse mortgage. Curious, Sarah did some research and discovered that this type of loan is designed with folks like her in mind: nurses with unique work schedules and multiple jobs.

Sarah reached out to a local loan officer specializing in nurse mortgages. To her relief, the lender understood Sarah’s situation and assured her that her multiple jobs wouldn’t be a deal-breaker. Instead, the loan officer focused on Sarah’s steady income, solid work history, and dedication to her profession.

Thanks to the flexibility of the nurse mortgage program, Sarah was able to qualify for a loan to finance her primary residence. She found a townhouse with a small garden where she could enjoy her downtime. With the help of her nurse mortgage lender, Sarah navigated the home-buying process with ease, securing a mortgage that fit her unique circumstances.

Looking for a nurse mortgage in a different state?

If you’re looking to explore the best nurse mortgage in other states, click on your state below.

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Joshua Holt is a licensed mortgage loan originator (NMLS #2306824) and founder of Biglaw Investor. His mortgage expertise lies in the areas of professional mortgage loans, particularly for lawyers, doctors and other high-income professionals. Prior to Biglaw Investor, Josh practiced private equity mergers & acquisition law for one of the largest law firms in the country.

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