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Meet Aaron Clark

Physician Mortgage Specialist – Truist
NMLS #222693
Based in Southlake, TX
Serving States:
  • AL
  • AK
  • AR
  • CO
  • CT
  • DC
  • DE
  • GA
  • ID
  • IL
  • IN
  • IA
  • KS
  • KY
  • LA
  • ME
  • MD
  • MA
  • MI
  • MN
  • MS
  • MO
  • MT
  • NE
  • NH
  • NJ
  • NM
  • NC
  • ND
  • NY
  • OH
  • OK
  • OR
  • PA
  • RI
  • SC
  • SD
  • TN
  • TX
  • UT
  • VT
  • VA
  • WA
  • WV
  • WI
  • WY
Direct: (972)-505-5291
Email: aaron.clark@truist.com
Apply Now
Call Aaron
Email Aaron

Physician Mortgage Snapshot

  • Loan Amounts up to $1M with 0% down
  • Loan Amounts up to $1.5M with 5% down
  • Loan Amounts up to $2M with 10.01% down
  • No PMI
  • No Minimum Loan Amount
  • Reserve Requirements Vary
  • Close up to 90 days before employment starts
  • Fully Amortizing 15 and 30 year fixed
  • Fully Amortizing 5/6-Month, 7/6-Month and 10/6-Month SOFR ARMs
  • The maximum loan to value / total loan to value for borrowers practicing 10 years but less than 15 years is 89.99%

Eligible Professions

  • MD, DO, DPM
  • DMD, DDS
  • Licensed Residents/Interns/Fellows
  • Licensed Medical Professionals

Program Strengths

  • Maximum of 100% financing* for loan amounts not to exceed $1M
  • Maximum of 95% financing* for loan amounts not to exceed $1.5M
  • Maximum of 89.99% financing* for loan amounts not to exceed $2M
  • No monthly mortgage insurance payments
  • For licensed medical professionals (physicians and dentists) who have completed their residency within ten to 15 years
  • Maximum of 89.99% financing* for loan amounts not to exceed $1.5M
  • Fixed and variable -rate options available.

Occupancy/ Property Types

  • Primary Residence, 1 Unit Properties, Log Homes (Max 80% LTV), Attached or Detached Properties Warrantable Condos, PUDs
  • Refinance options are available

Prefer Aaron to Contact You?

Drop your name and phone number and I’ll have Aaron reach out to you!
All loans are subject to credit approval
Guidelines are subject to change

Truist Physician Mortgage Loan Officer

Aaron Clark with Truist offers a physician mortgage program designed specifically for medical professionals. It is available to doctors, residents, and fellows purchasing a primary residence in AL, AK, AR, CO, CT, DC, DE, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. The program features low or no down payment options, flexible student loan treatment, and no private mortgage insurance (PMI).

FAQs

What credit score is required for a physician mortgage with Truist?
Truist generally prefers a strong credit profile, often around 700 or higher, though approval depends on the borrower’s overall financial profile and employment documentation.
Does Truist count student loans in debt-to-income calculations?
Yes, student loans are included in debt-to-income (DTI) ratios. However, the physician mortgage program may allow more flexible treatment of student loan obligations compared to conventional mortgage guidelines.
Can residents qualify for a physician loan before starting their job?
Yes. Residents and fellows with a signed employment contract can typically qualify and close on a home before their official start date.
What is the maximum loan amount available through this physician program?
Loan limits vary based on borrower qualifications and underwriting guidelines, but competitive financing tiers are available with low or no down payment options for eligible physicians.
Is private mortgage insurance (PMI) required?
No. Truist’s physician mortgage program does not require private mortgage insurance (PMI), even when the down payment is less than 20%.
How much down payment is required for doctors?
Many physician borrowers may qualify with low or no down payment depending on the loan amount. Larger loan amounts may require a modest down payment.
Are signing bonuses counted as income?
Signing bonuses and guaranteed future income may be considered qualifying income when properly documented in the employment contract and approved by underwriting.
Which states does Truist offer physician loans in?
Truist’s physician mortgage program is available in AL, AK, AR, CO, CT, DC, DE, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.
How does this program compare to other physician mortgage lenders?
Truist offers competitive low or no down payment options, no PMI, flexible underwriting for student loans, and broad multi-state availability, making it a strong option among physician mortgage lenders.
Can I use this loan for a condo or multi-unit property?
Yes. Physician mortgage loans through Truist can typically be used for primary residences, including eligible condos. Multi-unit eligibility depends on occupancy and underwriting guidelines.

Truist

This lender is available in the following states (no construction loan or lot loans, just purchase and refinance): AL, AK, AR, CO, CT, DC, DE, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

This lender is available in the following states: AL, AR, CA, CT, DL, FL, GA, IN, KY, MD, MA, MS, NJ, NC, OH, PA, SC, TN, TX, VI, DC, WV.

DOCTOR PROGRAM FEATURES:

Doctor Loan Program* Features:
  • For MD, DO, DDS, DMD, DPM
— Maximum of 100% financing* for loan amounts not to exceed $1,000,000
— Maximum of 95% financing* for loan amounts not to exceed $1,500,000
— Maximum of 89.99% financing* for loan amounts not to exceed $2,000,000
  • No monthly mortgage insurance payments
  • For licensed medical professionals (physicians and dentists) who have completed their residency within ten to 15 years
  • Maximum of 89.99% financing* for loan amounts not to exceed $1,500,000
— Fixed and variable -rate options available.
Eligible Borrowers:
Licensed Residents/Interns/Fellows
Licensed Medical Professionals
Medical Doctors (MD), Doctors of Osteopathy (DO), Doctor of Dental Medicine- Dental Surgeons, Orthodontists, General Dentist (DMD/DDS), Doctors of Podiatric Medicine (DPM)
Loan to Value
-Loan Amounts up to $1,000,000 with 0% Down
-Loan Amounts up to $1,500,000 with 5% Down
-Loan Amounts up to $2,000,000 with 10.01% Down
-The maximum loan to value / total loan to value for borrowers practicing 10 years but less than 15 years is 89.99%
-NO PMI
-No Minimum Loan Amount
-Reserve Requirements Vary
-Close up to 90 days before employment starts
Fully Amortizing 15 and 30 year fixed
Fully Amortizing 5/6-Month, 7/6-Month and 10/6-Month SOFR ARMs
Occupancy/ Property Types:
Primary Residence, 1 Unit Properties, Log Homes (Max 80% LTV), Attached or Detached Properties Warrantable Condos, PUDs
Refinance options are available
**All loans are subject to credit approval**
**Guidelines are subject to change**

All of the loan officers recommended by this site specialize in working with doctors ONLY. They are battle tested, seasoned, and recommended by your peers.

Please use the form below and we’ll let a Physician Loan Specialist from this bank know that you are looking for more information.
By contacting you certify that you are a medical professional or the spouse of one.
Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.
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Alliant Credit Union

Program is available in the following states : AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
Disclaimer: Program features are subject to change. Please check with your loan specialist for the most up to date product information.

TERMS:

  • No PMI
  • Closing available 90 days before employment starts
  • Minimum FICO score of 700 to qualify
  • Maximum debt to income ratio 45%
  • Medical Professionals may borrow 100% up to $1,250,000, 95% financing up to $1,500,000, and 90% financing up to $2,000,000
  • Most lenders require that you have completed training within the last 10 years, Alliant Credit Union has no such limit
  • Conforming & Non-Conforming
  • Fixed & Adjustable Rate
  • 30- & 15- Year Fixed, 5/6, 7/6, 10/6 ARMs

PROFESSIONS:

MD, DO, DDS, DMD, Resident, Fellows, DVM, DPM

STRENGTHS:

  • Student Loan Debt omitted in qualifying ratios if deferred at least 12 months
  • Ability to use income based repayment schedule if not deferred for 12 months
  • No limit on time elapsed since the completion of training
  • Financing available for single family, condos, and two family owner occupied residences
  • Warrantable and non-warrantable condos allowed
  • Available to US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, and Foreign Nationals
  • For other professionals we have Our First Time Homebuyers program with up to 100% financing available with no PMI

The loan officer listed here specialize in working with doctors. They are battle tested, seasoned, and recommended by your peers.

Sandi Frith (NMLS# 564023)
586-871-8002
sfrith@alliantcreditunion.com

Do you want Sandi to contact you?
I’ve made it real easy. Drop your name and phone number in the form below and I’ll let them know that you would like more information.
By contacting you certify that you are a medical professional or the spouse of one.
Disclaimer
Alliant Credit Union NMLS#: 197185.
Rates, terms, and conditions are subject to change. The 5/6, 7/6 and 10/6 ARMs offer a fixed rate for the initial period of the loan and adjust to a 6-month ARM after that period. The interest rate and monthly payment may adjust bi-annually based on the 30-day average Secured Overnight Funding Rate (SOFR), plus a margin of 2.75 percentage points with a 5% lifetime cap.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
Mortgages available in all states except Maryland. Loan approval, interest rate, and downpayment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change, are subject to credit, and collateral approval.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
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Part of the Physician Focused™ Network

Doctor Loan Programs™ is a division of Physician Focused™, a nationwide advisory platform serving physicians and healthcare institutions.

Across the Physician Focused™ network, the focus remains consistent:

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Loan officer participation supports that mission by contributing to a trusted, hospital-safe resource.

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Loan officers interested in participating in Doctor Loan Programs™ may request additional information regarding listing availability and participation standards.

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The Doctor Mortgage Loan Program is designed to help qualified Physicians and Dentists acquire a residential mortgage loan from participating lenders.
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